How we can help

Whether you are struggling with your mortgage, credit card, loan, car finance or overdraft payments, we’ll help you manage your debt.

Before you contact us

To save time and give you the best help we can, please have these things to hand:

  • Your account numbers.
  • Your monthly income and expenditure.
  • And a pen and paper to jot things down.

To help you, we will:

  • Go through your money to see what’s worrying you.
  • Let you know about the help you may be able to get.
  • Tell you where you can find extra help.

Talk to us in branch

Book a Helping Hand appointment to review your finances with a Banking Consultant in branch. They can help find ways to make your money go further and manage your budget better.

Find a branch near you or call us to book an appointment on 0345 300 0000.

Lines are open 7am – 11pm, 7 days a week.

Free independent help and advice

There are many organisations that can help you with your money worries including free debt advice services and your government.

Get free help now

Calls and online sessions may be monitored and recorded. Not all Telephone Banking services are available 24 hours a day, 7 days a week.

Get help with your mortgage

Already missed a payment?

Call us on 0808 145 0399.

Lines are open Monday to Friday, 8.00am to 8.00pm and Saturday, 8.00am to 5.00pm.​

Worried about your future payments?

Call us on 0808 145 0692.

Lines are open Monday to Friday, 8.00am to 8.00pm and Saturday, 8.00am to 5.00pm.​

It’s important to contact us as soon as you can

We need you to understand how we charge interest on your mortgage balance. We will charge you more interest if you’re behind on your payments, than if you were up to date.

We may also tell Credit Reference Agencies about any of your missed payments – this can limit your ability to borrow money in the future. ​

We’re here to help give you the support you need.

Explore your options

Take 30 days to get some help and advice

You can ask us to put a hold on your account for 30 days. This will give you the time and space to get some independent help and advice to help you with your money worries. You could also use this time to fill out a budget so you’re ready to discuss your options.

While you do this, we can stop calls asking you to contact us about your missed payments. This isn’t a payment holiday – your monthly payments will still be due on their normal date.

Setting up repayment plans

Where you can afford to, we may be able to set up a repayment plan. Depending on your circumstances this might be a short or long-term plan, but will always be aimed at getting your mortgage back on track as soon as possible.

This can involve agreements to make lower or no payments for a limited period while you get back on your feet.

Making your mortgage affordable again

We may be able to change some or all of your mortgage to help you to lower your monthly payments and make your mortgage more affordable.

This could include a change in the term of your mortgage, switch to a new mortgage deal, or a different repayment type.

These options are all depending on eligibility. Our colleagues will be able to explain them to you in full.

Support if you can no longer afford your mortgage

If you know you can’t afford your monthly payments and we’ve been through all other options with you, we can help you exit your mortgage but you may need to sell your property to repay the loan. We have partners that can help market the property and manage the sale with you or you can sell it yourself.

Get support with this online

We can now give you even more help online to meet your needs - whether you're behind with payments or worried you’ll miss one.

Get support online now

Calls and online sessions may be monitored and recorded. Not all Telephone Banking services are available 24 hours a day, 7 days a week.

Get help with your overdraft​

Already missed a payment?

Call us on 0808 145 0368.

Lines are open Monday to Friday, 8.00am to 8.00pm and Saturday, 8.00am to 5.00pm.​

Worried about your future payments?

Call us on 0808 145 0411.

Lines are open Monday to Friday, 8.00am to 8.00pm and Saturday, 8.00am to 5.00pm.​

Explore your options

Take 30 days to get some help and advice

You can ask us to put a hold on your account for 30 days. This will give you the time and space to get some independent help and advice, so you can make sure your priority payments are up to date.

It’s also a good idea to fill out a budget so you’re ready to discuss your options.

While you do this, we can stop calls asking you to contact us about your unarranged overdraft. And, we won’t charge you arranged overdraft interest during this time.

Repayment plans

With a repayment plan, you could clear your unarranged overdraft in 2 to 12 months. Setting up a repayment plan on your account could make it harder and more costly for you to borrow money in future, however keeping to it may prevent a larger impact on your credit file like a default. We’ll explain any impact this may have on your credit score before you apply. We won’t charge you arranged overdraft interest during the repayment plan.

If you need more help at the end of the plan, we may be able to look at the option of setting up a consolidation loan with you. This would allow you to combine your debts with us into one monthly repayment.

With this option, you won't be able to have an arranged overdraft or get other forms of credit from us for at least 12 months. This is subject to a credit worthiness assessment. Loan repayments can be made over a period of 1 to 7 years and rates vary.

Representative example

You could borrow £7,000 at an annual interest rate of 8.65% (fixed) over 48 months, with 48 monthly repayments of £173.03. The amount repayable will be £8,305.44. 9% APR representative.

Get support with this online

We can now give you even more help online to meet your needs – whether you're struggling with interest charges on an arranged overdraft, or using an unarranged overdraft.

Just log on to Internet Banking or the app, then select 'Need help with your debt or payments?' from the account menu.

Log on or register

Calls and online sessions may be monitored and recorded. Not all Telephone Banking services are available 24 hours a day, 7 days a week.

Get help with your loan​

Already missed a payment?

Call us on 0808 145 0368.

Lines are open Monday to Friday, 8.00am to 8.00pm and Saturday, 8.00am to 5.00pm.​

Worried about your future payments?

Call us on 0808 145 0411.

Lines are open Monday to Friday, 8.00am to 8.00pm and Saturday, 8.00am to 5.00pm.​

Explore your options

Take 30 days to get some help and advice

You can ask us to put a hold on your account for 30 days. This will give you the time and space to get some independent help and advice, and make sure your priority payments are up to date.

It’s also a good idea to fill out a budget so you’re ready to discuss your options. While you do this, we can stop calls asking you to contact us about your missed payments. And, we won’t charge you fees and interest during this time.

This isn’t a payment holiday, as you’ll still need to make your contractual monthly payment. We may also tell Credit Reference Agencies about any of your missed payments – this can limit your ability to borrow money in the future.

Repayment plans

With a repayment plan, you could bring your account up to date in 2 to 12 months. Setting up a repayment plan on your account may impact your ability to borrow in the future. Keeping to the agreed repayments can prevent a larger impact on your credit file like a default. We’ll explain any impact this may have on your credit file before you apply. And we won’t charge you fees and interest during this time.

If you can’t afford to bring your account up to date in 2 to 12 months, we may be able to look at the option of setting up a consolidation loan with you. This would allow you to combine your debts with us into one monthly repayment.

This option is subject to a credit worthiness assessment and you won't be able to get any other forms of credit from us for the life of the loan. Loan repayments can be made over a period of 1 to 7 years and rates vary.

Representative example

You could borrow £7,000 at an annual interest rate of 8.65% (fixed) over 48 months, with 48 monthly repayments of £173.03. The amount repayable will be £8,305.44. 9% APR representative.

Get support with this online

We can now give you even more help online to meet your needs - whether you're behind with payments, or worried you’ll miss one.

Just log on to Internet Banking or the app, then select 'Need help with your debt or payments?' from the account menu.

Log on or register

Calls and online sessions may be monitored and recorded. Not all Telephone Banking services are available 24 hours a day, 7 days a week.

Get help with your credit card​

Already missed a payment?

Call us on 0808 145 0368.

Lines are open Monday to Friday, 8.00am to 8.00pm and Saturday, 8.00am to 5.00pm.​

Worried about your future payments?

Call us on 0808 145 0411.

Lines are open Monday to Friday, 8.00am to 8.00pm and Saturday, 8.00am to 5.00pm.​

Explore your options

Take 30 days to get some help and advice

You can ask us to put a hold on your account for 30 days. This will give you the time and space to get some independent help and advice, and make sure your priority payments are up to date. You won’t be able to use your account while this hold is in place.

It’s also a good idea to fill out a budget so that you’re ready to discuss your options. While you do this, we can stop calls asking you to contact us about your missed payments. And, we won’t charge you fees and interest during this time.

This isn’t a payment holiday, as you’ll still need to make your contractual monthly payment. We may also tell Credit Reference Agencies about any of your missed payments – this can limit your ability to borrow money in the future.

Repayment plans

With a repayment plan, you could bring your account up to date in 2 to 12 months. You won’t be able to use your card during this time.

Setting up a repayment plan on your account can impact your ability to borrow in the future, however keeping to it may prevent a larger impact on your credit file like a default. We’ll explain any impact this may have on your credit score before you apply. And, we won’t charge you fees and interest during this time.

If you need more help at the end of the plan, we may be able to look at the option of setting up a consolidation loan with you. This would allow you to combine your debts with us into one monthly repayment.

With this option, you won't be able to get any other forms of credit with us for at least 12 months. This is subject to a credit worthiness assessment. Loan repayments can be made over a period of 1 to 7 years and rates vary.

Representative example

You could borrow £7,000 at an annual interest rate of 8.65% (fixed) over 48 months, with 48 monthly repayments of £173.03. The amount repayable will be £8,305.44. 9% APR representative.

Get support with this online

We can now give you even more help online to meet your needs - whether you're behind with payments, or worried you’ll miss one.

Just log on to Internet Banking or the app, then select 'Need help with your debt or payments?' from the account menu.

Log on or register

Calls and online sessions may be monitored and recorded. Not all Telephone Banking services are available 24 hours a day, 7 days a week.

Get help with your car finance​

Struggling to make your payments?

Call us​ on 0333 202 7946.

Lines are open Monday to Friday, 9.00am to 5.00pm and Saturday, 9.00am to 1.00pm.

You can sign into our car finance portal to find out more about how we can help you.

Calls and online sessions may be monitored and recorded. Not all Telephone Banking services are available 24 hours a day, 7 days a week.