Money worries

We're here to help

We're here to help

We're here to help

If you’re falling behind or have concerns about making your mortgage payments it’s important that you get in touch with us as soon as possible so that we can discuss any issues you may be having.  We have a dedicated team available who will offer support and try to find the best solution for your needs.

We can also provide details of useful independent debt agencies who can offer support through any difficult times. 

You can contact our team by calling us on 01733 821 388.  Alternatively, you can email us at, but please remember to include your name, account number and contact telephone number and we will respond within 24 hours.

Income and expenditure form

Before you call or email us we recommend that you complete our income and expenditure form which means that when we talk with you we’ll have a full picture of your monthly expenses and be able to offer the best advice we can for your situation. 

What we'll talk about

We know speaking about finances can be daunting so to help you prepare we’ve outlined below the types of things we’ll talk about during the call: 

  • Discuss your situation so we can understand any issues you’re experiencing
  • Ask you about your income and outgoings and any debts* you may have
  • Explore potential solutions to your situation for example, we’ll see if we can make changes to your mortgage, such as moving your payment date
  • Provide independent contacts if you would like more financial advice or support

*Please note we are unable to provide you with advice about debts you may have with other organisations.

Helping you get back on track

The tips below are designed to help you get your finances back on track:

  • Review your budget
  • Download the Income and Expenditure form
  • Review your monthly income and outgoings
  • Consider your financial priorities. Always ensure that you pay essential bills first. These will include:
    • Mortgage repayments
    • Council tax
    • Utility bills
    • Home and Car insurance

Contact your creditors and let them know about your situation. You should consider your financial priorities when contacting your creditors and pay essential bills first. Although they may encourage you to make full repayments, it’s always best to be open and clear about your situation and let them know how much you can realistically afford to pay.  You can then work with them to come up with a repayment plan.

Subject to status. Credit will be secured on your home. Your home may be repossessed if you do not keep up repayments.