Personal customers money worries

We can provide the best support to you if we understand your current financial situation. Once we understand what your income is and what you spend (sometimes called expenditure), we can make sure we're offering you the options that suit your personal circumstances best. 

To help us get to a solution quickly, we've partnered with IEHub. Their form is online and completely free. Once you've filled it in, you can share it with us along with any other creditors you choose. This will help us and other creditors focus on the solutions that are the best for you.

It's completely confidential - it won't show on any kind of credit report, and it won't be available to any companies unless you choose to share it with them. 

Once you have shared the information with us through the IEHub tool, we'll contact you by the method you ask us to - either phone or email - within 3 working days to discuss and agree a solution with you. 

What if things change?

You can use the IEHub tool to make updates at any point and share them with your creditors if your situation changes.

Our team is here to help you if you have a first or second charge property finance loan with us, secured on a property you live in. 

Please call us on 0345 650 6288

Our teams are available:
Monday - Thursday: 8am - 8pm
Friday: 8am - 6pm
Saturday: 9am - 2pm

We're closed on Sundays and public holidays.

If you’re having trouble making your payments, please contact us as soon as possible, so that we can discuss your circumstances and look at ways that we can best support you.

Once we have a full understanding of your circumstances, we will talk through the practical options available to you.  Solutions may include:

• Arrange a payment plan with you that suits both of us.
• Change the date you make your payments.
• Allow you to pay your mortgage over a longer period of time (to reduce your monthly payments).

If you’re in financial difficulty it can impact both your mental and physical health and wellbeing. Taking a proactive approach to managing your money worries is always the best way forward. If you are facing any of the following situations, it might be time to think about getting some help:

• You're worried about money and paying back what you owe - your debts feel like a huge burden
• You're being contacted about unpaid bills and missed payments
• You're dealing with difficult circumstances which are making it harder for you to manage your money
• You're regularly spending more than you earn
• You're struggling to pay your mortgage, rent, utility bills, or minimum payments on your credit cards
• You can't manage your day to day spending without relying on your credit card or overdraft
• Your credit cards are at the maximum credit limit