Difficulties making payments?
We may be able to help.

If you’re finding it difficult to make your regular repayments due to the pandemic, rest assured we’re here to help you.

Please use the links below to see what options are available to you if you have one or more accounts with us:

Credit or Store Cards, Personal Loans or Retail Finance, Your Plan or Home Improvement Finance Agreements


Other accounts:

Motor Finance Agreements

Insurance Premium Finance Credit Agreements

Special Offer Period - Buy Now Pay Later (BNPL) Agreements under Your Plan and other BNPL Retail Finance Agreements


Please note you can apply for a payment holiday or BNPL Special Offer Date deferral up to the end of March 2021.

Please be advised that you should continue to make your normal monthly repayments if you can afford to, as this is likely to be in your long-term interest.

If you require free, impartial advice on how to manage your finances during the pandemic, you can visit StepChange or FCA guidance webpage. You can also get further information by visiting our customer support page which offers more guidance and useful links.

More information and useful links

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Managing your account

If you’d like to check your balance, make a payment, request a change to your Direct Debit and much more, this can easily be done in your Online Account Manager (OAM)

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Travel or holiday disruption

If you’re concerned about travel plans or insurance cover you’ve made, contact the company with whom you made your booking or your insurance provider for more guidance. The Foreign and Commonwealth Office (FCO) is giving advice to UK citizens at gov.uk/foreign-travel-advice.

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Managing your money

If you’ve been affected by the coronavirus due to illness or self-isolation and are worried about the potential impact on your finances, please get in touch as soon as possible. Depending on your circumstances, we may be able to help.

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Some tips in the current climate

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    Pay the safe way

    Where possible, use Contactless to pay for purchases. You don’t have to touch the payment terminal or exchange cash, safer for you. From 1st April 2020, limit for contactless payments will be increased from £30 to £45 to help reduce the number of occasions you'll need to touch shop terminals

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    Stay vigilant

    Look out for any suspicious emails or messages as fraudsters are trying to take advantage of the current situation by offering medical products or a safe haven for your money. Remember, we’ll never ask you to share personal data, passwords or PINs.

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    Don’t get caught out

    Always log out when you finish in your account, use secure networks as public Wi-Fi isn’t always secure and think twice about storing personal data on a wireless or mobile device.

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We’re here to help

We understand some of you may be facing a challenging few weeks as a result of coronavirus. Please be assured that it is in our best interest to help you so visit our dedicated Customer Support page.

If you have further questions about our products, please take a look at our FAQs.

Keep an eye on regular Government advice or for more help on health for you and your family visit the NHS website

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Stay in the loop

We’ll update the information on this page if and when the wider situation changes, so add our page to your Favourites and pop back in a few days to check if there is anything new.