If keeping to your original payment schedule has become difficult, a payment arrangement may help. This guide explains what one is and how to put it in place.
What a payment arrangement is
A payment arrangement is an agreed plan that spreads what you owe over a schedule you can realistically manage. It is designed to fit your circumstances, so the amounts and dates are something you can actually keep to.
How to set one up
The quickest way is the Payment Arrangement form on our Forms & Requests page. We will ask a little about your income and essential outgoings, so that the plan we agree is sustainable rather than optimistic.
A few things worth knowing
- Get in touch sooner rather than later — the earlier we know, the more we can do.
- If your situation changes again, tell us; an arrangement can be reviewed.
- Free, independent money advice is available from Citizens Advice, StepChange and National Debtline.
An arrangement that is realistic and agreed is almost always better than a payment that fails. If you are unsure, contact us and we will talk it through.