Step 01 · Tell us your situation
Start with a clearer picture.
You don’t need to have all the answers before you speak to us. Start with what’s happening, and we’ll help you put the pieces together.
Talk about what’s putting pressure on you.
Tell us which repayments are difficult to keep up with and what has changed in your circumstances. The aim is to understand your situation before exploring possible arrangements.
Build a picture of your monthly budget.
We’ll discuss your income, essential living costs and existing commitments. This helps identify what your budget could realistically support.
Bring what you have.
A list of creditors, recent statements and an outline of your income and expenses can help. If anything is unclear, make a note of it so you can ask about it in your conversation.
Use the callback form to share your contact details only. Keep account numbers and financial documents for an appropriate follow-up conversation.
Your next step