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Personal Loans FAQs

What would happen if I couldn’t pay my loan?

If you are struggling to meet your monthly payments please give us a call on 01268 740755 (Monday to Friday from 9am to 5pm). Or email us: – We can work with you to resolve the situation.

In the event that you cannot pay and we have exhausted all other options, there is the possibility that we will resort to court action. Please be aware that we never want to get into this situation with our customers and we work really hard to ensure this doesn’t happen. This is a last resort.

If the case goes to court a County Court Judgement (CCJ) may be awarded and this could lead to an attachment of earnings against your pay or a charging order against the property you own. If the CCJ is not adhered to, we can request a Charging Order on any property owned by you. We can also apply for a Charging order over any property if the CCJ is adhered to.

This means that if you wishes to sell or re-mortgage that house, the amount owed to TFS Loans will be paid out of the proceeds. For ways to pay your loan, or who to contact should you get into arrears, please visit our ‘How to make a Payment’ page.



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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