I am struggling to pay — what should I do?

If you are finding it hard to keep up with payments, the most important thing is to tell us early. We would much rather help than see an account fall behind.

Depending on your situation we may be able to offer:

• a payment arrangement spreading what you owe over a manageable schedule;
• a short payment extension to give you breathing space;
• a hardship variation if your difficulty is longer term.

You can start any of these with our online forms, and we will always treat your situation sensitively.