Supporting our customers through financial difficulty

We understand that most UK households are being impacted by the rising cost of energy, food, and bills. That’s why we want to reassure you that we’re here to help if you’re facing financial difficulties.

The support we offer will depend on your personal circumstances and how long you’re likely to need help. Options could include (but are not limited to):
 

• Reducing your monthly repayment for a while, to be repaid over an agreed period.*
• Missing a repayment, to be repaid over an agreed period.*
• Changing the date your monthly repayment is due.

You may have other rights under the terms of your vehicle finance, which we can talk to you about once we better understand your situation.

*Any personalised payment plan that we agree with you will affect your credit score for the length of that arrangement. This could impact your ability to borrow money in the future. We can discuss this in more detail with you when exploring your available options.

Call our specialist team who are experts in supporting customers facing tough times: 0333 321 6060 Monday to Friday between 9am and 5pm.

Please call us on 0333 321 6060 and select Option One. Someone from our specialist team will talk to you about your options and what we can tailor for your personal circumstances.

You can bring your account up to date in three ways:

1. Pay online here.

2. Call our automated payment line on 0333 321 6062 and follow the prompts to pay by card.

3. Speak to us by calling 0333 321 6062 and select Option Two

If you’re worried about falling further behind with your repayments, we’re here to help. Please give us a call so we can discuss your options.

If you’ve recently received a Default Notice in the post, please get in touch immediately to speak to one of our trained colleagues.
The sooner you contact us, the better placed we’ll be to find the right support for you.

Simply give us a call on 0333 321 6060 and select Option One. We’ll talk to you about your options and your personal circumstances.

The sooner you contact us, the better placed we’ll be to find the right support for you.

If you've already agreed a payment plan with us and it will last until the end of your agreement, we'll write to you 10 days before your agreement ends to explain your options. 

If you're not in a payment plan and you’re worried about making your remaining repayments, please contact us on 0333 321 6060 and select Option One to discuss your options.

If you're still able to make your monthly repayments, we recommend that you do. However, if you find yourself in financial difficulty and are unable to make repayments, you should contact us to find out what options we can offer you.

The options available will vary depending on your personal situation and the how long you’re likely to need help. 
 

Options include (but are not limited to):

• Allowing you to repay your missed repayments over a longer period if reasonable
• Reducing the amount of your repayments for a short period of time
• Other payment plans to help you get back on track with your finance repayments

You may have other rights under the terms of your agreement with us, which we can talk to you about once we better understand your circumstances.

If we agree a payment plan with you, this will be recorded on your credit file for the time period of your plan.

If you took a Payment Pause with us before 31 March 2021 and we agreed a payment plan as a result of temporary difficulties caused by COVID-19, your credit file won't be negatively impacted. Any fees and charges from this period will be removed.
 

You can speak to any credit reference agencies:

www.equifax.co.uk or 0800 014 2955
www.experian.co.uk or 0800 013 8888
www.transunion.com or 0330 024 7574