Starting to struggle
As soon as you know you are struggling to meet repayments, contact the organisations you've borrowed from (your creditors) and ask what they can do to help reduce your monthly outgoings 1.
What to do if you're struggling
You should get in touch with us as soon as possible. We're here to help you.
The sooner we discuss your problems, the easier it will be for both of us to find a solution. The more you tell us about your full financial circumstances, the more we may be able to help.
In addition to the help you can find from us online, you should check out our leaflet
How To Keep Your Finances on Track 430 KB as it provides more in-depth information that may help you on your way to a stable financial future. If you prefer, you can pick up a copy of this leaflet next time you're in your local branch.
You can also speak to a free, independent debt adviser to ask for help in getting you back on track. An adviser can help you identify and address your priority debts as well as negotiate with your creditors.
Free debt advice is available from organisations such as:
StepChange Debt Charity have an online debt help tool, StepChange Debt remedy , this can provide you with help tailored to your individual circumstances and is backed by 20 years of experience and knowledge gained by qualified debt advisors. You don't have to give your name, and the service is free to use.
What to do if you can't pay your mortgage
If you are having trouble making your mortgage payments, we want to help you.
Follow the link below to see how we can help you if you're in arrears with your mortgage and what steps you can take to help yourself. You'll also find that it provides useful information if you are concerned about falling behind with your mortgage payments.