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Personal Loans FAQs

What can I do if I am in financial difficulty and I’m having trouble making my repayments?

If you have missed a payment or worried about a future payment then in the first instance give us a call, write or email us and we can help you through this by talking you through your options. You can call us Mon to Thurs from 8am – 6pm or Friday 9am – 5pm, on 01268 740755, or email

There will be a few things we may need to know:

  • Details of your income: 3 months’ worth of payslips, or if self-employed, certified accounts, self-assessment tax returns (SA302) or the last 3 months bank statements.
  • Monthly spending: Last 3 months bank statements for all bank  accounts you hold.
  • Details of payments you need to make to other lenders that you owe money to – we can send you an statement of means form to complete .

You can also get free independent help and advice.

The Money Advice Service (MAS)

Set up by the UK government, the MAS offers free and impartial money advice. They can provide you with information and guidance to help you decide the best way to take things forward and keep your payments on track.

Contact The Money Advice Service by:

Calling 0300 330 2222  (available Mon-Fri 8am-8pm and Sat 9am-1pm)

Visiting The Money Advice Service website.

Citizens Advice

Citizens Advice provides free, confidential, impartial information and advice on debt.

Check your local phone book or Yellow Pages for your nearest Citizens Advice, or visit the Citizens Advice website.

National Debtline

National Debtline are an independent charity, dedicated to providing free debt advice by phone and online to people across the UK. Contact National Debtline by:

Calling 0808 808 4000 (Mon-Fri 9am-9pm and 9:30am-1pm Sat)

Visiting the National Debtline website.



Loans are subject to status and affordability. *Consolidating debts may increase the term and the total amount payable.

Before entering into any credit agreement please make sure you can afford the monthly repayments, we recommend that you seek independent advice if you are unsure of any of the terms of our agreement. There may be other taxes or costs, not paid through us or charged by us, that you have to pay in connection with the agreement.

Late repayments can cause you serious money problems. For help go to

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