Your Plan and Home Improvement Finance Agreements payment holiday
If your income has been impacted due to the coronavirus outbreak and this is your first payment holiday request for this product, you can register for a 3-month payment holiday. If you are approved, we will reduce your monthly minimum payment for 3 months without affecting your credit file.
Who can register for a payment holiday?Customers who have Your Plan or Home Improvement Finance Agreements with us can register for a payment holiday. If you have a credit or store card with us, you can request a payment holiday here. If you have Personal loans or Retail Finance Agreements, you can use this link. If you have a Motor Finance Agreement with us, you can register here.
What is a payment holiday?Payment holiday means that we will not collect payments from you for 3 months. Please do not cancel your Direct Debit - after the 3 months your payments will resume.
Please be advised that you should continue to make your normal monthly repayment if you can afford to, as this is likely to be in your best long-term interest to do so.
What if I have already missed my last payment?You can still request a payment holiday using the form below. We’ll review your request and contact you to confirm if it’s been accepted. If you’re eligible, your payment holiday will start from your previous missed payment and your late fee will be refunded.
What if I can afford to pay some, but not all, of my payment?
If you’re unable to make your full payment, you should request a payment holiday using the form below.
Being on a payment holiday doesn’t mean that you can’t make reduced payments. Where it is affordable, making reduced payments during the payment holiday may shorten the term of the loan or agreement. The reduction of the length of the term will depend on how much you pay.
The simplest way of making a reduced payment is via your Online Account Manager.
Will I still be charged interest?You’ll continue to be charged interest so it may cost you more and take longer to pay off your balance. Please note, as a result of the payment holiday, your agreement term will be extended by three months.
What happens next?
It’s easy to register - just complete the form below and we will process your payment holiday within 10 working days. After the 3 months we will start collecting your payments again.
If you have multiple finance agreements with us, please register each agreement you would like a payment holiday for.
If you have a credit or store card with us, you can request a payment holiday here.
If you have Personal loans or Retail Finance Agreements, please follow this link.
If you have a Motor Finance Agreement with us, you can register here.
Difficulties before coronavirus?If you were experiencing difficulties before coronavirus and want to get back in touch, visit our customer support page.