We understand that things change. Maybe things are different now from when you first got your mortgage or personal credit product.

Sometimes it can be hard to make ends meet, let alone your payments. You’re not on your own. We have helped lots of personal customers in similar situations. The important thing is not to ignore money problems, as they usually get worse if you don’t act. So, the first step is always to realise that if you’re worried, you need to do something.

That could be taking stock of all your earnings and outgoings You could also talk to someone such as an independent advisor. Have a read of one of the sections below, and if you feel you need more specific information, you can call us on 03456005925.