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 our customers that we can offer support if you’re facing financial difficulties.

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

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

*Any personalised payment plan 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 today who are experts in supporting customers facing tough times.

0333 321 6060

Please call us on 0333 321 6060 (select option one) to discuss the options available to you, which we will tailor to your individual 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. Or to speak to us, please call 0333 321 6062 and select option two.

If you’re worried about falling further behind with your payments, we’re here to help. Please give us a call so we can discuss the options available to you. If you’ve recently received a Notice of Default 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 (select option one) to find out what options are available to you. Options will vary depending upon your individual 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 still be in force at the end of your agreement, we'll write to you 10 days before your agreement ends to explain the options available to you. If you're not in a payment plan and are unable to make your remaining payments, please contact us on 0333 321 6060 (select option one) to discuss your options.

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

The options available will vary depending upon your individual circumstances and the period over which you are likely to need help. Options include (but are not limited to), allowing arrears to be repaid over a longer period if reasonable, reduced payments for a short period of time, or 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 an arrangement with you, this will be reflected on your credit file for the duration of that arrangement.

If you took a Payment Pause with us, prior to 31 March 2021 due to temporary difficulties as a result of the Coronavirus pandemic, whilst your arrangement remains in place, your credit file won't be negatively impacted and any fees and charges accrued during this period will be removed.

To speak to any of the credit reference agencies, they can be contacted using the following details:

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