We know circumstances can change and things can happen that leave you with less money. If this is the case, we have a team of dedicated colleagues who will work with you to assess your situation and offer tailored support to help during a difficult time.
If you prefer free, impartial advice on how to manage your finances, please see contact details for organisations and charities that provide just that below.
We know how important it is for you to stay in control of your finances and your credit file. If you’re able to afford to make your monthly repayments this will help you stay in control.
If you’re facing financial difficulties or are facing a long-term change in circumstances speak to our dedicated financial difficulties team.
If you’re struggling with your payments for your loan or finance agreement, please call and speak to our dedicated customer support team.
If you’re struggling with your payments for your credit or store card, please call and speak to our dedicated customer support team.
A financial statement also known as an income and expenditure form is a document showing a complete overview of your monthly incomings and outgoings.
This can be used to demonstrate your financial situation to creditors. Please send your financial statement to customersupportenquiries@creation.co.uk for this to be looked into.
We work with PayPlan who can offer you free impartial and confidential debt advice. PayPlan provide solutions for people who have multiple debts.
Debt Advice provider of the year CCS Awards 2021 and Credit Awards 2021.
Read about Maggie’s journey and how PayPlan supported her getting back on her feet.
Prioritise and/or consolidate your debts to make your repayments more affordable
Use free budgeting tools available online, for example at moneyhelper.org.uk
Check your insurance to make sure you get the best price and cover for your money
Contact one of the organisations below who offer free and confidential support and advice
Shop wisely and make savings by potentially cutting back on non-essentials
Previously known as ‘The Money Advice Service’ Money Helper can give you free impartial advice and help for all your money.
Citizens advice is an independent organisation specialising in confidential information and advice to assist people with legal, debt, consumer, housing and other problems in the UK.
The National Debtline is a debt advice charity run by the Money Advice Trust. They offer free confidential debt advice for people in England, Wales and Scotland.
Money Advice Trust is a national charity, helping people across the UK tackle their debts and manage their money with confidence. Offering free debt advice to individuals, self employed and small businesses.
Stepchange offer free advice that is based on a comprehensive assessment of your situation.
Citizens Advice Scotland is an independent organisation specialising in confidential information and advice to assist people with legal, debt, consumer, housing and other problems.
Turn2us is a national charity providing practical help to people who are struggling financially. Use the Benefits Calculator or Grants Search to find out what help you can get.
Money Advice Scotland is Scotland’s money charity. They exist to help people in debt, support money advisers and influence policy.
Mind provide advice and support to empower anyone experiencing a mental health problem.
Entitledto want to make sure everyone who is entitled to benefits is empowered to claim them.
Age UK are experts in the issues affecting older people. Whether it’s providing information and advice or being a friendly voice on the other end of the phone.
Samaritans are there, day or night, for anyone who’s struggling to cope, who needs someone to listen without judgement or pressure.
Previously known as ‘The Money Advice Service’ Money Helper can give you free impartial advice and help for all your money.
We know how important it is for you to stay in control of your finances and your Credit File. If you’re able to afford to make your monthly repayments this will help you stay in control.
The National Debtline is a debt advice charity run by the Money Advice Trust. They offer free confidential debt advice for people in England, Wales and Scotland.
Money Advice Trust is a national charity, helping people across the UK tackle their debts and manage their money with confidence. Offering free debt advice to individuals, self employed and small businesses.
Stepchange offer free advice that is based on a comprehensive assessment of your situation.
Citizens Advice Scotland is an independent organisation specialising in confidential information and advice to assist people with legal, debt, consumer, housing and other problems in the UK.
Turn2us is a national charity providing practical help to people who are struggling financially. Use the Benefits Calculator or Grants Search to find out what help you can get.
Money Advice Scotland is Scotland’s money charity. They exist to help people in debt, support money advisers and influence policy.
Mind provide advice and support to empower anyone experiencing a mental health problem.
Entitledto want to make sure everyone who is entitled to benefits is empowered to claim them.
Age UK are experts in the issues affecting older people. Whether it’s providing information and advice or being a friendly voice on the other end of the phone.
Samaritans are there, day or night, for anyone who’s struggling to cope, who needs someone to listen without judgement or pressure.
