Let's get you back on track

Just answer a few questions about why you're here.

Are you here about your Nationwide mortgage?

Okay, have you missed a mortgage payment?

Do you plan to repay this in the next 3 months without missing any other payments to us?

Thanks for answering those questions

It looks like you’re planning to repay any payments you’ve missed.

If that’s right, please call us to let us know. We'll update our records so we won't contact you about it.

Call us

0800 464 30 40 (UK)

Useful information

Monday to Friday: 8am - 6pm
Saturday: 9am - 12pm

Okay, and have we gone through your budget together in the last 12 months?

Do you think your budget has changed since then?

Thanks for answering those questions

From what you told us, it’s important that we talk through the options to get you back on track.

Before we chat, let’s build your budget

Building a budget will give you a clear picture of your finances. It also means we can:

  • give you the best support
  • avoid any guesswork
  • see if setting up a payment plan might help you.

It’s just 2 easy steps

  1. Tell us about what you earn and spend
    Just fill out our simple form which we’ll use to work out your budget.
  2. We’ll be in touch to get you back on track
    And together, we’ll agree a payment amount you’re more comfortable with.

What you need ready

If you don’t know your exact income and outgoings – and let’s face it, who does? – there are a few things you’ll need to build an accurate budget.

  • Your latest bills and credit statements. We’ll ask about your mortgage or rent payments, energy and council tax bills, as well as any debts you have with other providers.
  • Your latest payslips or income statements. We’ll ask about any money you have coming in, including salaries, pensions, income support or benefits.

Information: Details about what you earn and spend will only be used to build your budget. Doing this budget won’t affect your credit score.

Ready to get your payments back on track?

If you'd prefer to skip this step

That's okay. You can talk to us now instead.

Note:

It’s easier and quicker to work out your budget first. Otherwise, we’ll have to go through it together on the call.

Call us

0800 464 30 40 (UK)

Useful information

Monday to Friday: 8am - 6pm
Saturday: 9am - 12pm

Thanks for answering those questions

From what you told us, it’s important to get in touch so we can help you with your payments. 

Call us and we'll:

  • talk through your situation to understand why you’re having difficulties
  • look at your options and what you can afford to pay back
  • agree a way forward you're comfortable with.

Call us

0800 464 30 40 (UK)

Useful information

Monday to Friday: 8am - 6pm
Saturday: 9am - 12pm

Thanks for answering those questions

From what you told us, it’s important to get in touch so we can help you with your payments. 

Before we chat, let’s build your budget

Building a budget will give you a clear picture of your finances. It also means we can:

  • give you the best support
  • avoid any guesswork
  • see if setting up a payment plan might help you.

It’s just 2 easy steps

  1. Tell us about what you earn and spend
    Just fill out our simple form which we’ll use to work out your budget.
  2. We’ll be in touch to get you back on track
    And together, we’ll agree a payment amount you’re more comfortable with.

What you need ready

If you don’t know your exact income and outgoings – and let’s face it, who does? – there are a few things you’ll need to build an accurate budget.

  • Your latest payslips or income statements. We’ll ask about any money you have coming in, including salaries, pensions, income support or benefits.

  • Your latest bills and credit statements. We’ll ask about your mortgage or rent payments, energy and council tax bills, as well as any debts you have with other providers.

Information: Details about what you earn and spend will only be used to build your budget. Doing this budget won’t affect your credit score.

Ready to get your payments back on track?

If you'd prefer to skip this step

That's okay. You can talk to us now instead.

Note:

It’s easier and quicker to work out your budget first. Otherwise, we’ll have to go through it together on the call.

Call us

0800 464 30 40 (UK)

Useful information

Monday to Friday: 8am - 6pm
Saturday: 9am - 12pm

Do you expect to miss your next payment?

Okay, has anything happened to affect your finances for longer than a month?

Thanks for answering those questions

From what you told us, it’s important that we talk through the options to get you back on track.

Before we chat, let’s build your budget

Building a budget will give you a clear picture of your finances. It also means we can:

  • give you the best support
  • avoid any guesswork
  • see if setting up a payment plan might help you.

It’s just 2 easy steps

  1. Tell us about what you earn and spend
    Just fill out our simple form which we’ll use to work out your budget.
  2. We’ll be in touch to get you back on track
    And together, we’ll agree a payment amount you’re more comfortable with.

What you need ready

If you don’t know your exact income and outgoings – and let’s face it, who does? – there are a few things you’ll need to build an accurate budget.

  • Your latest bills and credit statements. We’ll ask about your mortgage or rent payments, energy and council tax bills, as well as any debts you have with other providers.
  • Your latest payslips or income statements. We’ll ask about any money you have coming in, including salaries, pensions, income support or benefits.

Information: Details about what you earn and spend will only be used to build your budget. Doing this budget won’t affect your credit score.

Ready to get your payments back on track?

If you'd prefer to skip this step

That's okay. You can talk to us now instead.

Note:

It’s easier and quicker to work out your budget first. Otherwise, we’ll have to go through it together on the call.

Call us

0800 464 30 30 (UK)

Useful information

Monday to Friday: 9am - 5pm

Thanks for answering those questions

From what you told us, it’s important to get in touch so we can help you with your payments. 

Call us and we'll:

  • talk through your situation to understand why you’re having difficulties
  • look at your options and what you can afford to pay back
  • agree a way forward you're comfortable with.

Call us

0800 464 30 30 (UK)

Useful information

Monday to Friday: 9am - 5pm

Thanks for answering those questions

We know you’re here because you’re worried about money. But from what you’ve told us, your payments seem on track at the moment.

If anything changes in future, it’s a good idea to go over these questions again – especially if you expect to miss a payment.

We’re here for you

Even though you’re not expecting to miss any payments, we understand that you may still be worried about your finances.

That’s why you can call us any time you like. We’ll be happy to talk through any issues you’re facing.

But before you pick up the phone, we might have an answer for you online.

A good place to start

Take a look at our guide to improving your finances. You’ll find information on:

  • how to manage your money and borrowing
  • what to do if you’re behind on other payments with us or any other lender
  • how to get help if your income suddenly changes.

Learn ways to stay in control of money

If money’s still playing on your mind

Call us and we'll be happy to talk things through.

Call us

0800 464 30 30 (UK)

Useful information

Monday to Friday: 9am - 5pm

So are you here about any of these Nationwide products?

Okay, have you missed a credit card payment?

Do you plan to repay this in the next 6 months without missing any other payments to us?

Are you behind on any more debt payments with any other lender? For example, this could be a credit card, loan or overdraft payment.

Thanks for answering those questions

From what you told us, it looks like you’re struggling with other payments. So it’s a good idea to get some help with your debt.

We’re here to help you get back on track.

What happens next?

We know the natural thing you want to do is talk to us – and that’s fine, you can still call us anytime you like. But it’s important to know that we legally can’t give you any financial advice.

That’s why we’ve teamed up with two organisations who can help. As well as giving free advice, they’re experts when it comes to managing your debt in one place.

Getting help also means:

  • you won’t need to have the same long conversations with all the providers you owe money to – this will be done for you, for free
  • you may be able to set up one affordable payment plan that covers all your debt.

Choose who you’d like to help you

StepChange Debt Charity

StepChange helps over 630,000 people a year deal with their money worries and take back control of their lives.


  • Free, impartial debt advice and solutions online and by phone.
  • A range of solutions to suit your needs.
  • Support for as long as you need it.

PayPlan

PayPlan is one of the UK’s leading free debt advice providers, offering help and support in a way that works for you.


  • 100% confidential and impartial debt advice online or by phone.
  • Help to become debt-free.
  • Everything explained in a simple, straightforward way.

If you'd like to speak to us

We’ll be happy to talk things through with you.

Call us

0800 464 30 50 (UK)

Useful information

Monday to Friday: 8am - 8pm
Saturday: 8am - 5pm

Thanks for answering those questions

It looks like you’re planning to repay any payments you’ve missed.

If that’s right, please call us to let us know. We'll update our records so we won't contact you about it.

Call us

0800 464 30 50 (UK)

Useful information

Monday to Friday: 8am - 8pm
Saturday: 8am - 5pm

Are you behind on any more debt payments with any other lender? For example, this could be a credit card, loan or overdraft payment.

Thanks for answering those questions

From what you told us, it looks like you’re struggling with other payments. So it’s a good idea to get some help with your debt.

We’re here to help you get back on track.

What happens next?

We know the natural thing you want to do is talk to us – and that’s fine, you can still call us anytime you like. But it’s important to know that we legally can’t give you any financial advice.

That’s why we’ve teamed up with two organisations who can help. As well as giving free advice, they’re experts when it comes to managing your debt in one place.

Getting help also means:

  • you won’t need to have the same long conversations with all the providers you owe money to – this will be done for you, for free
  • you may be able to set up one affordable payment plan that covers all your debt.

Choose who you’d like to help you

StepChange Debt Charity

StepChange helps over 630,000 people a year deal with their money worries and take back control of their lives.


  • Free, impartial debt advice and solutions online and by phone.
  • A range of solutions to suit your needs.
  • Support for as long as you need it.

PayPlan

PayPlan is one of the UK’s leading free debt advice providers, offering help and support in a way that works for you.


  • 100% confidential and impartial debt advice online or by phone.
  • Help to become debt-free.
  • Everything explained in a simple, straightforward way.

If you'd like to speak to us

We’ll be happy to talk things through with you.

Call us

0800 464 30 50 (UK)

Useful information

Monday to Friday: 8am - 8pm
Saturday: 8am - 5pm

Okay, and have we gone through your budget together in the last 12 months?

Do you think your budget has changed since then?

Thanks for answering those questions

From what you told us, it’s important that we talk through the options to get you back on track.

Before we chat, let’s build your budget

Building a budget will give you a clear picture of your finances. It also means we can:

  • give you the best support
  • avoid any guesswork
  • see if setting up a payment plan might help you.

It’s just 2 easy steps

  1. Tell us about what you earn and spend
    Just fill out our simple form which we’ll use to work out your budget.
  2. We’ll be in touch to get you back on track
    And together, we’ll agree a payment amount you’re more comfortable with.

What you need ready

  • Your latest bills and credit statements. We’ll ask about your mortgage or rent payments, energy and council tax bills, as well as any debts you have with other providers.
  • Your latest payslips or income statements. We’ll ask about any money you have coming in, including salaries, pensions, income support or benefits.

Information: Details about what you earn and spend will only be used to build your budget. Doing this budget won’t affect your credit score.

Ready to get your payments back on track?

If you'd prefer to skip this step

That's okay. You can talk to us now instead.

Note:

It’s easier and quicker to work out your budget first. Otherwise, we’ll have to go through it together on the call.

Call us

0800 464 30 50 (UK)

Useful information

Monday to Friday: 8am - 8pm
Saturday: 8am - 5pm

Thanks for answering those questions

From what you told us, it’s important to get in touch so we can help you with your payments. 

Call us and we'll:

  • talk through your situation to understand why you’re having difficulties
  • look at your options and what you can afford to pay back
  • agree a way forward you're comfortable with.

Call us

0800 464 30 50 (UK)

Useful information

Monday to Friday: 8am - 8pm
Saturday: 8am - 5pm

Thanks for answering those questions

From what you told us, it’s important that we talk through the options to get you back on track.

Before we chat, let’s build your budget

Building a budget will give you a clear picture of your finances. It also means we can:

  • give you the best support
  • avoid any guesswork
  • see if setting up a payment plan might help you.

It’s just 2 easy steps

  1. Tell us about what you earn and spend
    Just fill out our simple form which we’ll use to work out your budget.
  2. We’ll be in touch to get you back on track
    And together, we’ll agree a payment amount you’re more comfortable with.

What you need ready

If you don’t know your exact income and outgoings – and let’s face it, who does? – there are a few things you’ll need to build an accurate budget.

  • Your latest bills and credit statements. We’ll ask about your mortgage or rent payments, energy and council tax bills, as well as any debts you have with other providers.
  • Your latest payslips or income statements. We’ll ask about any money you have coming in, including salaries, pensions, income support or benefits.

Information: Details about what you earn and spend will only be used to build your budget. Doing this budget won’t affect your credit score.

Ready to get your payments back on track?

If you'd prefer to skip this step

That's okay. You can talk to us now instead.

Note:

It’s easier and quicker to work out your budget first. Otherwise, we’ll have to go through it together on the call.

Call us

0800 464 30 50 (UK)

Useful information

Monday to Friday: 8am - 8pm
Saturday: 8am - 5pm

Do you expect to miss a payment in the next month?

Okay, has anything happened to affect your finances for longer than a month?

Thanks for answering those questions

From what you told us, it’s important that we talk through the options to get you back on track.

Before we chat, let’s build your budget

Building a budget will give you a clear picture of your finances. It also means we can:

  • give you the best support
  • avoid any guesswork
  • see if setting up a payment plan might help you.

It’s just 2 easy steps

  1. Tell us about what you earn and spend
    Just fill out our simple form which we’ll use to work out your budget.
  2. We’ll be in touch to get you back on track
    And together, we’ll agree a payment amount you’re more comfortable with.

What you need ready

If you don’t know your exact income and outgoings – and let’s face it, who does? – there are a few things you’ll need to build an accurate budget.

  • Your latest bills and credit statements. We’ll ask about your mortgage or rent payments, energy and council tax bills, as well as any debts you have with other providers.
  • Your latest payslips or income statements. We’ll ask about any money you have coming in, including salaries, pensions, income support or benefits.

Information: Details about what you earn and spend will only be used to build your budget. Doing this budget won’t affect your credit score.

Ready to get your payments back on track?

If you'd prefer to skip this step

That's okay. You can talk to us now instead.

Note:

It’s easier and quicker to work out your budget first. Otherwise, we’ll have to go through it together on the call.

Call us

0800 464 30 50 (UK)

Useful information

Monday to Friday: 8am - 8pm
Saturday: 8am - 5pm

Thanks for answering those questions

From what you told us, it’s important to get in touch so we can help you with your payments. 

Call us and we'll:

  • talk through your situation to understand why you’re having difficulties
  • look at your options and what you can afford to pay back
  • agree a way forward you're comfortable with.

Call us

0800 464 30 50 (UK)

Useful information

Monday to Friday: 8am - 8pm
Saturday: 8am - 5pm

Thanks for answering those questions

We know you’re here because you’re worried about money. But from what you’ve told us, your payments seem on track at the moment.

If anything changes in future, it’s a good idea to go over these questions again – especially if you expect to miss a payment.

We’re here for you

Even though you’re not expecting to miss any payments, we understand that you may still be worried about your finances.

That’s why you can call us any time you like. We’ll be happy to talk through any issues you’re facing.

But before you pick up the phone, we might have an answer for you online.

A good place to start

Take a look at our guide to improving your finances. You’ll find information on:

  • how to manage your money and borrowing
  • what to do if you’re behind on other payments with us or any other lender
  • how to get help if your income suddenly changes.

Learn ways to stay in control of money

If money’s still playing on your mind

Call us and we'll be happy to talk things through.

Call us

0345 600 66 11 (UK)

Useful information

Monday to Friday: 8am - 8pm
Saturday: 8am - 8pm
Sunday: 9am - 5pm

Have you missed a loan payment?

Do you plan to repay this in the next 6 months without missing any other payments to us?

Are you behind on any more debt payments with any other lender? For example, this could be a credit card, loan or overdraft payment.

Thanks for answering those questions

From what you told us, it’s important to get in touch so we can help you with your payments. 

What happens next?

We know the natural thing you want to do is talk to us – and that’s fine, you can still call us anytime you like. But it’s important to know that we legally can’t give you any financial advice.

That’s why we’ve teamed up with two organisations who can help. As well as giving free advice, they’re experts when it comes to managing your debt in one place.

Getting help also means:

  • you won’t need to have the same long conversations with all the providers you owe money to – this will be done for you, for free
  • you may be able to set up one affordable payment plan that covers all your debt.

Choose who you’d like to help you

StepChange Debt Charity

StepChange helps over 630,000 people a year deal with their money worries and take back control of their lives.


  • Free, impartial debt advice and solutions online and by phone.
  • A range of solutions to suit your needs.
  • Support for as long as you need it.

PayPlan

PayPlan is one of the UK’s leading free debt advice providers, offering help and support in a way that works for you.


  • 100% confidential and impartial debt advice online or by phone.
  • Help to become debt-free.
  • Everything explained in a simple, straightforward way.

If you'd like to speak to us

We’ll be happy to talk things through with you.

Call us

0800 464 30 40 (UK)

Useful information

Monday to Friday: 8am - 6pm
Saturday: 9am - 12pm

Thanks for answering those questions

It looks like you’re planning to repay any payments you’ve missed.

If that’s right, please call us to let us know. We'll update our records so we won't contact you about it.

Call us

0800 464 30 40 (UK)

Useful information

Monday to Friday: 8am - 6pm
Saturday: 9am - 12pm

Are you behind on any more debt payments with any other lender? For example, this could be a credit card, loan or overdraft payment.

Thanks for answering those questions

From what you told us, it looks like you’re struggling with other payments. So it’s a good idea to get some help with your debt.

We’re here to help you get back on track.

What happens next?

We know the natural thing you want to do is talk to us – and that’s fine, you can still call us anytime you like. But it’s important to know that we legally can’t give you any financial advice.

That’s why we’ve teamed up with two organisations who can help. As well as giving free advice, they’re experts when it comes to managing your debt in one place.

Getting help also means:

  • you won’t need to have the same long conversations with all the providers you owe money to – this will be done for you, for free
  • you may be able to set up one affordable payment plan that covers all your debt.

Choose who you’d like to help you

StepChange Debt Charity

StepChange helps over 630,000 people a year deal with their money worries and take back control of their lives.


  • Free, impartial debt advice and solutions online and by phone.
  • A range of solutions to suit your needs.
  • Support for as long as you need it.

PayPlan

PayPlan is one of the UK’s leading free debt advice providers, offering help and support in a way that works for you.


  • 100% confidential and impartial debt advice online or by phone.
  • Help to become debt-free.
  • Everything explained in a simple, straightforward way.

If you'd like to speak to us

We’ll be happy to talk things through with you.

Call us

0800 464 30 40 (UK)

Useful information

Monday to Friday: 8am - 6pm
Saturday: 9am - 12pm

Okay, and have we gone through your budget together in the last 12 months?

Do you think your budget has changed since then?

Thanks for answering those questions

From what you told us, it’s important that we talk through the options to get you back on track.

Before we chat, let’s build your budget

Building a budget will give you a clear picture of your finances. It also means we can:

  • give you the best support
  • avoid any guesswork
  • see if setting up a payment plan might help you.

It’s just 2 easy steps

  1. Tell us about what you earn and spend
    Just fill out our simple form which we’ll use to work out your budget.
  2. We’ll be in touch to get you back on track
    And together, we’ll agree a payment amount you’re more comfortable with.

What you need ready

If you don’t know your exact income and outgoings – and let’s face it, who does? – there are a few things you’ll need to build an accurate budget.

  • Your latest bills and credit statements. We’ll ask about your mortgage or rent payments, energy and council tax bills, as well as any debts you have with other providers.
  • Your latest payslips or income statements. We’ll ask about any money you have coming in, including salaries, pensions, income support or benefits.

Information: Details about what you earn and spend will only be used to build your budget. Doing this budget won’t affect your credit score.

Ready to get your payments back on track?

If you'd prefer to skip this step

That's okay. You can talk to us now instead.

Note:

It’s easier and quicker to work out your budget first. Otherwise, we’ll have to go through it together on the call.

Call us

0800 464 30 40 (UK)

Useful information

Monday to Friday: 8am - 6pm
Saturday: 9am - 12pm

Thanks for answering those questions

From what you told us, it’s important to get in touch so we can help you with your payments. 

Call us and we'll:

  • talk through your situation to understand why you’re having difficulties
  • look at your options and what you can afford to pay back
  • agree a way forward you're comfortable with.

Call us

0800 464 30 40 (UK)

Useful information

Monday to Friday: 8am - 6pm
Saturday: 9am - 12pm

Thanks for answering those questions

From what you told us, it’s important that we talk through the options to get you back on track.

Before we chat, let’s build your budget

Building a budget will give you a clear picture of your finances. It also means we can:

  • give you the best support
  • avoid any guesswork
  • see if setting up a payment plan might help you.

It’s just 2 easy steps

  1. Tell us about what you earn and spend
    Just fill out our simple form which we’ll use to work out your budget.
  2. We’ll be in touch to get you back on track
    And together, we’ll agree a payment amount you’re more comfortable with.

What you need ready

If you don’t know your exact income and outgoings – and let’s face it, who does? – there are a few things you’ll need to build an accurate budget.

  • Your latest bills and credit statements. We’ll ask about your mortgage or rent payments, energy and council tax bills, as well as any debts you have with other providers.
  • Your latest payslips or income statements. We’ll ask about any money you have coming in, including salaries, pensions, income support or benefits.

Information: Details about what you earn and spend will only be used to build your budget. Doing this budget won’t affect your credit score.

Ready to get your payments back on track?

If you'd prefer to skip this step

That's okay. You can talk to us now instead.

Note:

It’s easier and quicker to work out your budget first. Otherwise, we’ll have to go through it together on the call.

Call us

0800 464 30 40 (UK)

Useful information

Monday to Friday: 8am - 6pm
Saturday: 9am - 12pm

Do you expect to miss a payment in the next month?

Okay, has anything happened to affect your finances for longer than a month?

Thanks for answering those questions

From what you told us, it’s important that we talk through the options to get you back on track.

Before we chat, let’s build your budget

Building a budget will give you a clear picture of your finances. It also means we can:

  • give you the best support
  • avoid any guesswork
  • see if setting up a payment plan might help you.

It’s just 2 easy steps

  1. Tell us about what you earn and spend
    Just fill out our simple form which we’ll use to work out your budget.
  2. We’ll be in touch to get you back on track
    And together, we’ll agree a payment amount you’re more comfortable with.

What you need ready

If you don’t know your exact income and outgoings – and let’s face it, who does? – there are a few things you’ll need to build an accurate budget.

  • Your latest bills and credit statements. We’ll ask about your mortgage or rent payments, energy and council tax bills, as well as any debts you have with other providers.
  • Your latest payslips or income statements. We’ll ask about any money you have coming in, including salaries, pensions, income support or benefits.

Information: Details about what you earn and spend will only be used to build your budget. Doing this budget won’t affect your credit score.

Ready to get your payments back on track?

If you'd prefer to skip this step

That's okay. You can talk to us now instead.

Note:

It’s easier and quicker to work out your budget first. Otherwise, we’ll have to go through it together on the call.

Call us

0800 464 30 30 (UK)

Useful information

Monday to Friday: 9am - 5pm

Thanks for answering those questions

From what you told us, it’s important to get in touch so we can help you with your payments. 

Call us and we'll:

  • talk through your situation to understand why you’re having difficulties
  • look at your options and what you can afford to pay back
  • agree a way forward you're comfortable with.

Call us

0800 464 30 30 (UK)

Useful information

Monday to Friday: 9am - 5pm

Thanks for answering those questions

We know you’re here because you’re worried about money. But from what you’ve told us, your payments seem on track at the moment.

If anything changes in future, it’s a good idea to go over these questions again – especially if you expect to miss a payment.

We’re here for you

Even though you’re not expecting to miss any payments, we understand that you may still be worried about your finances.

That’s why you can call us any time you like. We’ll be happy to talk through any issues you’re facing.

But before you pick up the phone, we might have an answer for you online.

A good place to start

Take a look at our guide to improving your finances. You’ll find information on:

  • how to manage your money and borrowing
  • what to do if you’re behind on other payments with us or any other lender
  • how to get help if your income suddenly changes.

Learn ways to stay in control of money

If money’s still playing on your mind

Call us and we'll be happy to talk things through.

Call us

0800 464 30 30 (UK)

Useful information

Monday to Friday: 9am - 5pm

Have you gone over your overdraft limit?

Do you plan to repay this in the next 6 months without missing any other payments to us?

Are you behind on any more debt payments with any other lender? For example, this could be a credit card, loan or overdraft payment.

Thanks for answering those questions

From what you told us, it looks like you’re struggling with other payments. So it’s a good idea to get some help with your debt.

We’re here to help you get back on track.

What happens next?

We know the natural thing you want to do is talk to us – and that’s fine, you can still call us anytime you like. But it’s important to know that we legally can’t give you any financial advice.

That’s why we’ve teamed up with two organisations who can help. As well as giving free advice, they’re experts when it comes to managing your debt in one place.

Getting help also means:

  • you won’t need to have the same long conversations with all the providers you owe money to – this will be done for you, for free
  • you may be able to set up one affordable payment plan that covers all your debt.

Choose who you’d like to help you

StepChange Debt Charity

StepChange helps over 630,000 people a year deal with their money worries and take back control of their lives.


  • Free, impartial debt advice and solutions online and by phone.
  • A range of solutions to suit your needs.
  • Support for as long as you need it.

PayPlan

PayPlan is one of the UK’s leading free debt advice providers, offering help and support in a way that works for you.


  • 100% confidential and impartial debt advice online or by phone.
  • Help to become debt-free.
  • Everything explained in a simple, straightforward way.

If you'd like to speak to us

We’ll be happy to talk things through with you.

Call us

0800 464 30 40 (UK)

Useful information

Monday to Friday: 9am - 5pm

Thanks for answering those questions

It looks like you’re planning to repay any payments you’ve missed.

If that’s right, please call us to let us know. We'll update our records so we won't contact you about it.

Call us

0800 464 30 40 (UK)

Useful information

Monday to Friday: 9am - 5pm

Are you behind on any more debt payments with any other lender? For example, this could be a credit card, loan or overdraft payment.

Thanks for answering those questions

From what you told us, it looks like you’re struggling with other payments. So it’s a good idea to get some help with your debt.

We’re here to help you get back on track.

What happens next?

We know the natural thing you want to do is talk to us – and that’s fine, you can still call us anytime you like. But it’s important to know that we legally can’t give you any financial advice.

That’s why we’ve teamed up with two organisations who can help. As well as giving free advice, they’re experts when it comes to managing your debt in one place.

Getting help also means:

  • you won’t need to have the same long conversations with all the providers you owe money to – this will be done for you, for free
  • you may be able to set up one affordable payment plan that covers all your debt.

Choose who you’d like to help you

StepChange Debt Charity

StepChange helps over 630,000 people a year deal with their money worries and take back control of their lives.


  • Free, impartial debt advice and solutions online and by phone.
  • A range of solutions to suit your needs.
  • Support for as long as you need it.

PayPlan

PayPlan is one of the UK’s leading free debt advice providers, offering help and support in a way that works for you.


  • 100% confidential and impartial debt advice online or by phone.
  • Help to become debt-free.
  • Everything explained in a simple, straightforward way.

If you'd like to speak to us

We’ll be happy to talk things through with you.

Call us

0800 464 30 40 (UK)

Useful information

Monday to Friday: 9am - 5pm

Okay, and have we gone through your budget together in the last 12 months?

Do you think your budget has changed since then?

Thanks for answering those questions

From what you told us, it’s important that we talk through the options to get you back on track.

Before we chat, let’s build your budget

Building a budget will give you a clear picture of your finances. It also means we can:

  • give you the best support
  • avoid any guesswork
  • see if setting up a payment plan might help you.

It’s just 2 easy steps

  1. Tell us about what you earn and spend
    Just fill out our simple form which we’ll use to work out your budget.
  2. We’ll be in touch to get you back on track
    And together, we’ll agree a payment amount you’re more comfortable with.

What you need ready

If you don’t know your exact income and outgoings – and let’s face it, who does? – there are a few things you’ll need to build an accurate budget.

  • Your latest bills and credit statements. We’ll ask about your mortgage or rent payments, energy and council tax bills, as well as any debts you have with other providers.
  • Your latest payslips or income statements. We’ll ask about any money you have coming in, including salaries, pensions, income support or benefits.

Information: Details about what you earn and spend will only be used to build your budget. Doing this budget won’t affect your credit score.

Ready to get your payments back on track?

If you'd prefer to skip this step

That's okay. You can talk to us now instead.

Note:

It’s easier and quicker to work out your budget first. Otherwise, we’ll have to go through it together on the call.

Call us

0800 464 30 40 (UK)

Useful information

Monday to Friday: 9am - 5pm

Thanks for answering those questions

From what you told us, it’s important to get in touch so we can help you with your payments. 

Call us and we'll:

  • talk through your situation to understand why you’re having difficulties
  • look at your options and what you can afford to pay back
  • agree a way forward you're comfortable with.

Call us

0800 464 30 40 (UK)

Useful information

Monday to Friday: 9am - 5pm

Thanks for answering those questions

From what you told us, it’s important that we talk through the options to get you back on track.

Before we chat, let’s build your budget

Building a budget will give you a clear picture of your finances. It also means we can:

  • give you the best support
  • avoid any guesswork
  • see if setting up a payment plan might help you.

It’s just 2 easy steps

  1. Tell us about what you earn and spend
    Just fill out our simple form which we’ll use to work out your budget.
  2. We’ll be in touch to get you back on track
    And together, we’ll agree a payment amount you’re more comfortable with.

What you need ready

If you don’t know your exact income and outgoings – and let’s face it, who does? – there are a few things you’ll need to build an accurate budget.

  • Your latest bills and credit statements. We’ll ask about your mortgage or rent payments, energy and council tax bills, as well as any debts you have with other providers.
  • Your latest payslips or income statements. We’ll ask about any money you have coming in, including salaries, pensions, income support or benefits.

Information: Details about what you earn and spend will only be used to build your budget. Doing this budget won’t affect your credit score.

Ready to get your payments back on track?

If you'd prefer to skip this step

That's okay. You can talk to us now instead.

Note:

It’s easier and quicker to work out your budget first. Otherwise, we’ll have to go through it together on the call.

Call us

0800 464 30 40 (UK)

Useful information

Monday to Friday: 9am - 5pm

Do you expect to exceed your overdraft in the next month?

Okay, has anything happened to affect your finances for longer than a month?

Thanks for answering those questions

From what you told us, it’s important that we talk through the options to get you back on track.

Before we chat, let’s build your budget

Building a budget will give you a clear picture of your finances. It also means we can:

  • give you the best support
  • avoid any guesswork
  • see if setting up a payment plan might help you.

It’s just 2 easy steps

  1. Tell us about what you earn and spend
    Just fill out our simple form which we’ll use to work out your budget.
  2. We’ll be in touch to get you back on track
    And together, we’ll agree a payment amount you’re more comfortable with.

What you need ready

If you don’t know your exact income and outgoings – and let’s face it, who does? – there are a few things you’ll need to build an accurate budget.

  • Your latest bills and credit statements. We’ll ask about your mortgage or rent payments, energy and council tax bills, as well as any debts you have with other providers.
  • Your latest payslips or income statements. We’ll ask about any money you have coming in, including salaries, pensions, income support or benefits.

Information: Details about what you earn and spend will only be used to build your budget. Doing this budget won’t affect your credit score.

Ready to get your payments back on track?

If you'd prefer to skip this step

That's okay. You can talk to us now instead.

Note:

It’s easier and quicker to work out your budget first. Otherwise, we’ll have to go through it together on the call.

Call us

0800 464 30 30 (UK)

Useful information

Monday to Friday: 9am - 5pm

Thanks for answering those questions

From what you told us, it’s important to get in touch so we can help you with your payments. 

Call us and we'll:

  • talk through your situation to understand why you’re having difficulties
  • look at your options and what you can afford to pay back
  • agree a way forward you're comfortable with.

Call us

0800 464 30 30 (UK)

Useful information

Monday to Friday: 9am - 5pm

Thanks for answering those questions

We know you’re here because you’re worried about money. But from what you’ve told us, your payments seem on track at the moment.

If anything changes in future, it’s a good idea to go over these questions again – especially if you expect to miss a payment.

We’re here for you

Even though you’re not expecting to miss any payments, we understand that you may still be worried about your finances.

That’s why you can call us any time you like. We’ll be happy to talk through any issues you’re facing.

But before you pick up the phone, we might have an answer for you online.

A good place to start

Take a look at our guide to improving your finances. You’ll find information on:

  • how to manage your money and borrowing
  • what to do if you’re behind on other payments with us or any other lender
  • how to get help if your income suddenly changes.

Learn ways to stay in control of money

If money’s still playing on your mind

Call us and we'll be happy to talk things through.

Call us

0800 464 30 30 (UK)

Useful information

Monday to Friday: 9am - 5pm

Have you missed a payment or exceeded your overdraft?

Do you plan to repay this in the next 6 months without missing any other payments to us?

Are you behind on any more debt payments with any other lender? For example, this could be a credit card, loan or overdraft payment.

Thanks for answering those questions

From what you told us, it looks like you’re struggling with other payments. So it’s a good idea to get some help with your debt.

We’re here to help you get back on track.

What happens next?

We know the natural thing you want to do is talk to us – and that’s fine, you can still call us anytime you like. But it’s important to know that we legally can’t give you any financial advice.

That’s why we’ve teamed up with two organisations who can help. As well as giving free advice, they’re experts when it comes to managing your debt in one place.

Getting help also means:

  • you won’t need to have the same long conversations with all the providers you owe money to – this will be done for you, for free
  • you may be able to set up one affordable payment plan that covers all your debt.

Choose who you’d like to help you

StepChange Debt Charity

StepChange helps over 630,000 people a year deal with their money worries and take back control of their lives.


  • Free, impartial debt advice and solutions online and by phone.
  • A range of solutions to suit your needs.
  • Support for as long as you need it.

PayPlan

PayPlan is one of the UK’s leading free debt advice providers, offering help and support in a way that works for you.


  • 100% confidential and impartial debt advice online or by phone.
  • Help to become debt-free.
  • Everything explained in a simple, straightforward way.

If you'd like to speak to us

We’ll be happy to talk things through with you.

Loans

0800 464 30 40 (UK)

Useful information

Monday to Friday: 8am - 6pm
Saturday: 9am - 12pm

Overdrafts

0800 464 30 40 (UK)

Useful information

Monday to Friday: 9am - 5pm

Credit cards

0800 464 30 50 (UK)

Useful information

Monday to Friday: 8am - 8pm
Saturday: 8am - 5pm

Thanks for answering those questions

It looks like you’re planning to repay any payments you’ve missed.

If that’s right, please call us to let us know. We'll update our records so we won't contact you about it.

Loans

0800 464 30 40 (UK)

Useful information

Monday to Friday: 8am - 6pm
Saturday: 9am - 12pm

Overdrafts

0800 464 30 40 (UK)

Useful information

Monday to Friday: 9am - 5pm

Credit cards

0800 464 30 50 (UK)

Useful information

Monday to Friday: 8am - 8pm
Saturday: 8am - 5pm

Are you behind on any more debt payments with any other lender? For example, this could be a credit card, loan or overdraft payment.

Thanks for answering those questions

From what you told us, it looks like you’re struggling with other payments. So it’s a good idea to get some help with your debt.

We’re here to help you get back on track.

What happens next?

We know the natural thing you want to do is talk to us – and that’s fine, you can still call us anytime you like. But it’s important to know that we legally can’t give you any financial advice.

That’s why we’ve teamed up with two organisations who can help. As well as giving free advice, they’re experts when it comes to managing your debt in one place.

Getting help also means:

  • you won’t need to have the same long conversations with all the providers you owe money to – this will be done for you, for free
  • you may be able to set up one affordable payment plan that covers all your debt.

Choose who you’d like to help you

StepChange Debt Charity

StepChange helps over 630,000 people a year deal with their money worries and take back control of their lives.


  • Free, impartial debt advice and solutions online and by phone.
  • A range of solutions to suit your needs.
  • Support for as long as you need it.

PayPlan

PayPlan is one of the UK’s leading free debt advice providers, offering help and support in a way that works for you.


  • 100% confidential and impartial debt advice online or by phone.
  • Help to become debt-free.
  • Everything explained in a simple, straightforward way.

If you'd like to speak to us

We’ll be happy to talk things through with you.

Loans

0800 464 30 40 (UK)

Useful information

Monday to Friday: 8am - 6pm
Saturday: 9am - 12pm

Overdrafts

0800 464 30 40 (UK)

Useful information

Monday to Friday: 9am - 5pm

Credit cards

0800 464 30 50 (UK)

Useful information

Monday to Friday: 8am - 8pm
Saturday: 8am - 5pm

Okay, and have we gone through your budget together in the last 12 months?

Do you think your budget has changed since then?

Thanks for answering those questions

From what you told us, it’s important that we talk through the options to get you back on track.

Before we chat, let’s build your budget

Building a budget will give you a clear picture of your finances. It also means we can:

  • give you the best support
  • avoid any guesswork
  • see if setting up a payment plan might help you.

It’s just 2 easy steps

  1. Tell us about what you earn and spend
    Just fill out our simple form which we’ll use to work out your budget.
  2. We’ll be in touch to get you back on track
    And together, we’ll agree a payment amount you’re more comfortable with.

What you need ready

If you don’t know your exact income and outgoings – and let’s face it, who does? – there are a few things you’ll need to build an accurate budget.

  • Your latest bills and credit statements. We’ll ask about your mortgage or rent payments, energy and council tax bills, as well as any debts you have with other providers.
  • Your latest payslips or income statements. We’ll ask about any money you have coming in, including salaries, pensions, income support or benefits.

Information: Details about what you earn and spend will only be used to build your budget. Doing this budget won’t affect your credit score.

Ready to get your payments back on track?

If you'd prefer to skip this step

That's okay. You can talk to us now instead.

Note:

It’s easier and quicker to work out your budget first. Otherwise, we’ll have to go through it together on the call.

Loans

0800 464 30 40 (UK)

Useful information

Monday to Friday: 8am - 6pm
Saturday: 9am - 12pm

Overdrafts

0800 464 30 40 (UK)

Useful information

Monday to Friday: 9am - 5pm

Credit cards

0800 464 30 50 (UK)

Useful information

Monday to Friday: 8am - 8pm
Saturday: 8am - 5pm

Thanks for answering those questions

From what you told us, it’s important to get in touch so we can help you with your payments. 

Call us and we'll:

  • talk through your situation to understand why you’re having difficulties
  • look at your options and what you can afford to pay back
  • agree a way forward you're comfortable with.

Loans

0800 464 30 40 (UK)

Useful information

Monday to Friday: 8am - 6pm
Saturday: 9am - 12pm

Overdrafts

0800 464 30 40 (UK)

Useful information

Monday to Friday: 9am - 5pm

Credit cards

0800 464 30 50 (UK)

Useful information

Monday to Friday: 8am - 8pm
Saturday: 8am - 5pm

Thanks for answering those questions

From what you told us, it’s important that we talk through the options to get you back on track.

Before we chat, let’s build your budget

Building a budget will give you a clear picture of your finances. It also means we can:

  • give you the best support
  • avoid any guesswork
  • see if setting up a payment plan might help you.

It’s just 2 easy steps

  1. Tell us about what you earn and spend
    Just fill out our simple form which we’ll use to work out your budget.
  2. We’ll be in touch to get you back on track
    And together, we’ll agree a payment amount you’re more comfortable with.

What you need ready

If you don’t know your exact income and outgoings – and let’s face it, who does? – there are a few things you’ll need to build an accurate budget.

  • Your latest bills and credit statements. We’ll ask about your mortgage or rent payments, energy and council tax bills, as well as any debts you have with other providers.
  • Your latest payslips or income statements. We’ll ask about any money you have coming in, including salaries, pensions, income support or benefits.

Information: Details about what you earn and spend will only be used to build your budget. Doing this budget won’t affect your credit score.

Ready to get your payments back on track?

If you'd prefer to skip this step

That's okay. You can talk to us now instead.

Note:

It’s easier and quicker to work out your budget first. Otherwise, we’ll have to go through it together on the call.

Loans

0800 464 30 40 (UK)

Useful information

Monday to Friday: 8am - 6pm
Saturday: 9am - 12pm

Overdrafts

0800 464 30 40 (UK)

Useful information

Monday to Friday: 9am - 5pm

Credit cards

0800 464 30 50 (UK)

Useful information

Monday to Friday: 8am - 8pm
Saturday: 8am - 5pm

Do you expect to miss a payment or go over your overdraft in the next month?

Okay, has anything happened to affect your finances for longer than a month?

Thanks for answering those questions

From what you told us, it’s important that we talk through the options to get you back on track.

Before we chat, let’s build your budget

Building a budget will give you a clear picture of your finances. It also means we can:

  • give you the best support
  • avoid any guesswork
  • see if setting up a payment plan might help you.

It’s just 2 easy steps

  1. Tell us about what you earn and spend
    Just fill out our simple form which we’ll use to work out your budget.
  2. We’ll be in touch to get you back on track
    And together, we’ll agree a payment amount you’re more comfortable with.

What you need ready

If you don’t know your exact income and outgoings – and let’s face it, who does? – there are a few things you’ll need to build an accurate budget.

  • Your latest bills and credit statements. We’ll ask about your mortgage or rent payments, energy and council tax bills, as well as any debts you have with other providers.
  • Your latest payslips or income statements. We’ll ask about any money you have coming in, including salaries, pensions, income support or benefits.

Information: Details about what you earn and spend will only be used to build your budget. Doing this budget won’t affect your credit score.

Ready to get your payments back on track?

If you'd prefer to skip this step

That's okay. You can talk to us now instead.

Loans or overdrafts

0800 464 30 30 (UK)

Useful information

Monday to Friday: 9am - 5pm

Credit cards

0800 464 30 50 (UK)

Useful information

Monday to Friday: 8am - 8pm
Saturday: 8am - 5pm

Thanks for answering those questions

From what you told us, it’s important to get in touch so we can help you with your payments. 

Call us and we'll:

  • talk through your situation to understand why you’re having difficulties
  • look at your options and what you can afford to pay back
  • agree a way forward you're comfortable with.

Loans or overdrafts

0800 464 30 30 (UK)

Useful information

Monday to Friday: 9am - 5pm

Credit cards

0800 464 30 50 (UK)

Useful information

Monday to Friday: 8am - 8pm
Saturday: 8am - 5pm

Thanks for answering those questions

We know you’re here because you’re worried about money. But from what you’ve told us, your payments seem on track at the moment.

If anything changes in future, it’s a good idea to go over these questions again – especially if you expect to miss a payment.

We’re here for you

Even though you’re not expecting to miss any payments, we understand that you may still be worried about your finances.

That’s why you can call us any time you like. We’ll be happy to talk through any issues you’re facing.

But before you pick up the phone, we might have an answer for you online.

A good place to start

Take a look at our guide to improving your finances. You’ll find information on:

  • how to manage your money and borrowing
  • what to do if you’re behind on other payments with us or any other lender
  • how to get help if your income suddenly changes.

Learn ways to stay in control of money

If money’s still playing on your mind

Call us and we'll be happy to talk things through.

Loans or overdrafts

0800 464 30 30 (UK)

Useful information

Monday to Friday: 9am - 5pm

Credit card

0345 600 66 11 (UK)

Useful information

Monday to Friday: 8am - 8pm
Saturday: 8am - 8pm
Sunday: 9am - 5pm