Our goal is to work with each customer to find a solution suited to each individual’s circumstances. We encourage you to contact the agency managing your account on our behalf as soon as possible. However, as everyone’s needs are different, we’ve provided a variety of resources here, which may also be useful to you.
Free and independent advice
If you’re in debt, you need to act quickly to stop the situation getting worse. We are always keen to help customers and look forward to working with you. However, we understand that in some circumstances you may not feel comfortable speaking about your financial situation directly with our agencies or us. If you would also like independent assistance, the following organisations are providers of free, impartial advice:
51-53 Hagley Road
Birmingham B16 8TP
Telephone: 0808 808 4000
Kempton House, Kempton Way
Lincolnshire NG31 7LE
Telephone: 0800 980 4122
StepChange Debt Charity
Telephone: 0800 138 1111
Alternatively, you can contact your local Citizens Advice Bureau by visiting www.adviceguide.org.uk.
In addition, you can visit the links to two helpful Financial Conduct Authority (FCA) leaflets – both include a list of not-for-profit organisations offering free, confidential, impartial debt advice:
Other resources for customers include:
- Money Helper – offers free, unbiased advice online
- The Insolvency Service - provides advice to the public on insolvency and redundancy matters.
Credit reference agencies
You can check your credit file by contacting a credit reference agency (CRA). Normally a small fee will be charged by the CRA.