How we can help
We’re here to help with any money worries you may have, now or in the future.
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Ways we can support you with your overdraft
Are you struggling with your interest charges on an arranged overdraft, or using an unarranged overdraft? We can help you manage your debt.
There are a variety of ways we can offer you support, either online or by phone.
If you’d prefer to talk to us, it’s helpful if you do a budget first, so we can get a better feel for your finances.
If you’re behind with any of your payments or have missed an essential bill, there’s help at hand. You can speak to us or get independent help and advice from someone else.
Your options may include:
Options
Options
Take 30 days to get some help and advice
With this hold, we’ll 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.
Options
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. 9% APR representative.
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.
Options
Account closure
In some cases, you may benefit from us permanently closing your accounts. When we close your accounts we’ll let the credit reference agencies we use know, and we may register a default which will stay on your credit file for six years. This can limit your ability to borrow money in the future and we’ll explain some of the impacts this can have if we consider this option.
We’ll also stop charging arranged overdraft interest. And we’ll help you work out a long-term solution to reduce your balances at a rate you can afford.
![Graph showing when phone lines are normally busiest. This is usually between 12pm and 6pm.]()
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Ways we can support you with your loan
Are you struggling with your loan repayments? We’ll help you manage your debt.
There are a variety of ways we can offer you support, either online or by phone.
If you’d prefer to talk to us, it’s helpful if you do a budget first, so we can get a better feel for your finances.
If you’re behind with any of your payments or have missed an essential bill, there’s help at hand. You can speak to us or get independent help and advice from someone else.
Your options may include:
Options
Options
Take 30 days to get some help and advice
With this hold, we’ll 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.
Options
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 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. 9% APR representative.
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.
Options
Account closure
In some cases, you may benefit from your accounts being permanently closed. When we close your accounts we’ll let the credit reference agencies we use know, and we’ll register a default which will stay on your credit file for six years. This can limit your ability to borrow money in the future and we’ll explain some of the impacts this can have if we consider this option.
We’ll also stop charging interest. And we’ll help you work out a long-term solution to reduce your balances at a rate you can afford.
![Graph showing when phone lines are normally busiest. This is usually between 12pm and 6pm.]()
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Ways we can support you with your credit card
Are you struggling with your credit card payments? We’ll help you manage your debt.
There are a variety of ways we can offer you support, either online or by phone.
If you’d prefer to talk to us, it’s helpful if you do a budget first, so we can get a better feel for your finances.
If you’re behind with any of your payments or have missed an essential bill, there’s help at hand. You can speak to us or get independent help and advice from someone else.
Your options may include:
Options
Options
Take 30 days to get some help and advice
With this hold, we’ll give you the time and space to get some independent help and advice, and make sure your priority payments are up to date. However, 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.
Options
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. 9% APR representative.
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.
Options
Account closure
In some cases, you may benefit from your accounts being permanently closed. When we close your accounts we’ll let the credit reference agencies we use know, and we’ll register a default which will stay on your credit file for six years. This can limit your ability to borrow money in the future and we’ll explain some of the impacts this can have if we consider this option.
We’ll also stop charging interest. And we’ll help you work out a long-term solution to reduce your balances at a rate you can afford.
![Graph showing when phone lines are normally busiest. This is usually between 12pm and 6pm.]()
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Ways we can support you with your car finance
Are you struggling with making your car finance payments? We’ll help you manage your debt.
If you’re behind with any of your payments or have missed an essential bill, there’s help at hand. You can speak to us or get independent help and advice from someone else.
You can sign into our car finance portal to find out more about how we can help you.
Call us
Call us on 0333 202 7946. Lines are open Monday to Friday, 9.00am to 5.00pm and Saturday, 9.00am to 1.00pm.
Ways we can support you with your mortgage
If you’re struggling with your mortgage payments, we’ll help you manage your debt.
There are a variety of ways we can offer you support, either online or by phone.
If you’d prefer to talk to us, it’s helpful if you do a budget first, so we can get a better feel for your finances.
If you’re behind with any of your payments or have missed an essential bill, there’s help at hand. You can speak to us or get independent help and advice from someone else.
Your options may include:
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Options |
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OptionsTake some time to get help and adviceWith this hold, we’ll 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. |
OptionsRepayment plansWhere 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. |
OptionsMortgage restructuringWe 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 subject to eligibility. Our colleagues will be able to explain them to you in full. |
Options |
It’s important to know
We need you to understand how we charge interest on your mortgage balance. If you’re behind on your payments, you’ll be charged more interest 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.
So it’s important to contact us as soon as you can – we’re here to help, and to agree how we can best support you.
