Get help managing money problems
Life can take us by surprise and a change in circumstances can affect how we manage our money and make ends meet. If you find yourself starting to worry about money, you’re not alone – we’re here to help you. The sooner you let us know, the quicker we can help get you back on track.
Signs you might be experiencing money worries
- You’re worried about money and concerned whether you can pay back what you owe
- You’re worried you might not be able to repay your mortgage, credit card or other debt repayments, including car finance repayments
- Your circumstances have recently changed making it difficult for you to manage your money
- You’re spending more than you earn
- You’re unable to pay your mortgage or rent because of debt repayments
- You’re living out of your overdraft and using credit cards to cover bill repayments
- You’re receiving charges due to late or missed repayments
What you can do
Here’s the three steps you can take to get support:
Step one: Understand your money situation
To get started, you’ll need to build a clear picture of your income, monthly spending and outgoings. We've created an easy-to-use online Budgeting Tool. If you decide to call us, have this information ready.
Launch the Budgeting Tool >
Step two: Talk to us
For help and support with your monthly payments, speak to our dedicated Customer Financial Assistance team. They will be able to explain your options and ways we can support you.
Make sure you have all details on your income and outgoings ready before you call. This may include wage slips, bills and bank statements. Save time on your call by using our Budgeting Tool before calling.
Call us for free on 0800 151 2454 (lines are open Monday to Friday 8.30am to 7.00pm and Saturday, 9.00am to 1.00pm)
If you need to use a textphone, you can call us for free using the Text Relay Service. Please dial 18001 followed by the phone number above.
Step three: Get free, independent help
Access free and impartial advice from independent organisations.
Set up by the UK government, Money Helper offers free and impartial money advice.
It can provide information to help you decide the best way to take things forward and keep your payments on track. It also suggests organisations which provide debt management services or providers who can help you keep on top of your money. You can get help by telephone and online.
Visit the Money Helper website >
StepChange Debt Charity is a registered charity offering free, confidential advice and support to anyone who is worried about debt.
Their free counselling and debt advice can help you get back in control of your money and move forward with your life.
Visit the StepChange Debt Charity website >
Citizens Advice provides free, confidential, impartial information and advice on a wide range of debt and benefits issues.
Check your local phone book or Yellow Pages for your nearest Citizens Advice.
Visit the Citizens Advice website >
Make a payment FAQs
Looking for ways to pay? Need support getting a settlement amount? Find answers to the most frequently asked questions about payments.
Get in touch
We provide a lot of advice and support on our dedicated Help Centre. However, we’re here if you need to speak to us.
Managing your account FAQs
Need to add a new phone number? Need help requesting a statement or changing your payment day? Other topics include support creating an online account and help with log in problems.
If there's a problem with our products or service, let us know and we'll try to solve it as quickly as possible.
Your agreement FAQs
If you have a question about managing your agreement with us, this article will help. Topics covered: during my agreement, looking after my vehicle and end of agreement.
Finance is subject to status and is only available to UK residents aged 18 and over. Finance provided by Black Horse Limited, St William House, Tresillian Terrace, Cardiff CF10 5BH.
Black Horse Limited Registered in England and Wales with registered number 661204.
Registered Office: 25 Gresham Street, London EC2V 7HN