Support when you need it
If you’re facing financial difficulties or you need extra support to manage your account, we have a dedicated team to help you.
Do you have a disability, physical or mental health condition, or just need extra support because your circumstances have changed?
We've got a range of ways to support you including a team of dedicated colleagues who'll work with you to understand
your situation and offer the tailored support you need to manage your account with us.
If you’re finding it harder to manage your account, we’re here to help.
Simply fill in our support form to let us know if you need any support due to a disability, or a physical or mental health condition, including but not limited to:
If you’re struggling with money or worried about making repayments, we’re here for you. Please contact us using the details below and we’ll talk through your options.
You can also get free, independent advice on managing your finances from trusted organisations and charities by clicking here.
You can also explore PayPlan’s BudgetSmart tool by clicking here to see where you can save and reclaim your financial confidence.
We’re here to help you stay in control. By keeping your monthly repayments up to date, you’re taking a big step towards a healthier credit file and total financial peace of mind.
If you’re 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.
We work with PayPlan who can offer you free impartial and confidential debt advice. PayPlan provide solutions for people who have multiple debts.
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, such as ourselves.
When you complete a Financial Statement, you’ll need your financial details to hand such as bank statements, payslips, utility bills and any details for other expenditure you may have.
If you’ve already been in touch with a Debt Management Company such as PayPlan or StepChange, and given them your Creation account information, they’ll contact us on your behalf.
There are three ways you can complete and send us a Financial Statement
Once we’ve received your Financial Statement, we’ll assess how we can help and contact you by email or phone within 5 working days to discuss your options.
Before contacting us, you might want to visit one of the not-for-profit organisations listed below for further information.
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
Contact us on 0333 032 4221*
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.
