Financial difficulties

We understand that our customers can experience financial difficulties from time to time.

If your circumstances have changed and you are finding it difficult to make payments towards your credit account, please call our Collections Team on 0800 988 0068*. Our team are available Monday to Friday 8am to 9pm, Saturday 8am – 2pm and Sunday 10am – 2pm.

For free, confidential, impartial advice you can call:

Money Advice Service

For free, unbiased and easy-to-access money tools, information and advice, visit or phone 0800 138 7777* to speak to a Money Adviser.

Citizens Advice Northern Ireland

If you live in Northern Ireland, phone 0800 028 1881*, email or visit for debt advice.

Citizens Advice

For advice and information on debt and other topics, visit your local Citizens Advice (address in the phone book) or go to

National Debtline

If you live in England, Wales or Scotland phone 0808 808 4000* or visit for debt advice and information.

Money Advice Scotland

If you live in Scotland, phone 0141 572 0237* or visit to find contact details for debt advice in your area.


Member centres offer debt advice including specialist advice for minority communities and people with disabilities – or phone 0300 777 0107*

StepChange Debt Charity

For debt advice throughout the UK phone 0800 138 1111* or visit

Christians Against Poverty (CAP)

For free debt advice in your home, check post code coverage at then call 0800 328 0006*

*For call charges contact your service provider.