What happens if I can’t make my payment

If you think you may struggle to make your repayment, it’s important you call us as soon as possible so we can discuss your circumstances and work out a solution together.

If you don’t contact us and agree a solution or to make repayments, this could lead to further action for both you and if you have a guarantor loan, your Guarantor too.

If an account remains unpaid, and there is no payment plan in place there may be legal proceedings to recover the outstanding balance plus associated costs. This would impact you , and if you have selected a guarantor loan, your guarantor too. This information could also be shared with credit reference agencies which could affect yours and if you have this loan option, your guarantors credit rating. This may make obtaining credit more difficult and/or expensive in the future.

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