Debt Management
What if I can't meet the repayments on my loan?
Are you struggling to repay?
You cannot miss a payment and 'catch up' the following month. If you miss a monthly payment, or your payment is late, we will charge you a late payment fee of up to £25, which will be registered with a Credit Reference Agency and could affect your credit rating.
If you are struggling to repay your loan and would like to speak to someone about this please call us in confidence. There are a number of ways we can help you. Please call us to find out what these are.
Are you already in arrears?
If you are already in arrears and are still struggling with your borrowings, please call our Collections and Recoveries Team. There are a number of ways we can help you. Please call us to find out what these are.
Useful contacts
There are a number of organisations who can provide you with useful information, advice and support when dealing with debt. You can talk to them about your financial concerns in complete confidence. Please be aware that there are also many similar commercial companies that will charge you for this service.
Advice UK
AdviceUK is the UK's largest support network for free, independent advice centres. It covers not only money and debt advice but, also other areas such as homelessness, drugs and alcohol, benefits, etc. Contact 0207 469 5700 or visit www.adviceuk.org.uk 
Citizens Advice Bureau
The CAB offers free face to face assistance to people with severe financial difficulties through their network of local offices. You can get the telephone number of your local bureau from The Phone Book, the local library or from their website:
Citizens Advice Scotland - www.cas.org.uk Citizens Advice United Kingdom, Hong Kong and South Africa - www.citizensadvice.org.uk
Debt Advice Foundation
A national debt advice and education charity offering free, confidential support and advice to anyone worried about loans, credit and debt. Contact 0800 043 40 50 or visit www.debtadvicefoundation.org/
Money Advice Scotland
Aims to raise the standards of money advice to people with debt problems. Contact 0141 572 0237 or visit: www.moneyadvicescotland.org.uk
National Debtline
A free telephone helpline where you can request a free debt management pack that includes guidance on completing a personal budget plan to help understand and discuss your financial situation. Tel 0800 280 2816 or via:www.nationaldebtline.co.uk
PayPlan
Provides a free advice service and can be contacted on: 0800 280 2816 or at:www.payplan.com
StepChange Debt Charity
A registered charity that offers free and impartial advice, their service is totally confidential, and supports anyone who needs advice and guidance to help them take control of their finances.
You can call them free of charge on 0800 138 1111 or visit their website at: www.stepchange.org