We understand that you may prefer to speak to some -one who is independent of us and can provide free and expert help. They can advise on other debts you owe to other creditors, not just the debt you owe to us. There are a number of specialist organizations who can provide you with free, confidential and impartial advice on a range of debt related matters including:
Please contact us immediately via email [email protected] if you are having any problems repaying your loan. We are here to help and will work out a solution with you. We will approach each customer individually.
Need support with your finances? You’re not alone.
If you’d prefer to speak with someone independent, there are free and confidential services that can help — not just with the debt you owe to us, but with your wider financial situation too.
These organisations offer expert advice on things like:
• Managing your money and debts.
• Understanding your personal financial situation.
• Setting up a debt management plan with your creditors — which will enable you to repay your debts by manageable monthly payments.
• Considering an Individual Voluntary Arrangement (IVA) — where your creditors agree to write off part of your debt and you agree to repay the rest by instalments.
• Exploring Breathing Space — protection from your creditors while you weigh up your options
They’ll guide you through the process and explain anything you’re unsure about or any documents. No judgement — just impartial support that’s tailored to you.
Here are some organisations you can reach out to:
🔹 MoneyHelper
Free, unbiased, and easy-to-use tools, info, and advice.
🌐 moneyhelper.org.uk/en
📞 0800 138 7777
🔹 PayPlan
Specialist help for people in debt — online or over the phone.
Get personalised guidance on your financial position.
Set up a debt management plan or explore IVAs
📞 0800 316 1833
💡 Visit their Financial Wellbeing Hub to build a budget and prioritise your debts
🔹 StepChange Debt Charity
Government-supported, independent advice for individuals (not self-employed).
Build a budget together.
Get support for personalised debt management plans, Individual Voluntary Arrangement (IVAs), Breathing Space protection or a Debt Relief Order.
📞 0800 138 1111
🔹 Citizens Advice
Free, independent and confidential support for individuals (not self-employed) on your rights and responsibilities.
Support for those who are not self-employed.
🔹 National Debtline
Free, independent and confidential support for individuals (not self-employed).
They work with you to develop a your budget and how best to address your debts.
📞 0808 808 4000
You don’t have to do this alone. Reach out to the right support and take that next step toward financial control.