Money worries

We know it’s been a worrying time for everyone. If you’re concerned about making your mortgage payments, we’re here to help you get things back on track.

If you're worried about making payments

It’s important you get in touch with us as soon as possible. Our dedicated team are here to offer support and they’ll work with you to  help find a solution.

There’s also independent debt agencies who can offer support through difficult times and we’ve listed these below.

You can call 01733 821 388 or email and please remember to include your name, account number and contact telephone number and we will respond within 24 hours.

We’d recommend you complete our income and expenditure form before contacting us, so we have a clear picture of your monthly expenses and how we can best support you.

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.

Who else can help?

If you’d like independent debt advice there is a range of services available including government agencies, free advice agencies and others that charge a fee.

The services below will help you with carrying out an assessment, budgeting and offer a full tailored solution for your circumstances.

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