If you are coming to the end of your mortgage, credit card or loan payment holiday, we will contact you before it ends, there is no need to call us. You can use our coronavirus support tool to find the right solution for your needs and confirm what you would like to do in a few simple steps.

Financial difficulty

If you are having trouble paying your mortgage please don’t ignore the problem. We’re always on hand to listen and offer advice. We have a few options for you if you ever find that you are short of money. The sooner you let us know, the quicker we can help and get you back on track.

How we can help

The first thing to do is get in touch with us, the sooner the better. Call us on 0345 051 8447 and we’ll put you in touch with a specialist adviser who will be sensitive to your specific situation. We’ve created a set of FAQs that talk through the most common scenarios.

We’ll help you work out what’s affordable by completing a budgeting form. This will document all your income and outgoings, including what you owe to any other creditors. You'll then get a true reflection of what your disposable income (what’s left after everything is paid) actually is and what you can realistically afford to pay.

Alternatively you could talk to StepChange Debt Charity. They are a registered charity that offers free and impartial advice to those in financial difficulty. They provide a debt remedy tool that aims to provide you with a personalised solution to your financial difficulties in about 20 minutes. It's anonymous and free of charge. Alternatively, you can call them free of charge on 0800 138 1111.

Other places you can get information:

You can get independent and free advice from many organisations, including:

PayPlan

StepChange

Turn2us

The Money Advice Service

Citizens Advice

National Debtline

Help managing your money

Getting into debt can happen to anyone, and if you're having trouble managing what you owe it can be very stressful. If you're worried about your debts, there are a number of steps you can take to manage them.

The Money Advice Service website offers free and impartial advice. It can provide information to help you decide the best way to take things forward and keep your payments on track.

It also suggests organisations which provide debt management services, or providers who can help you keep on top of your money.