If you are worried about missing a payment, for your mortgage or any other personal credit product, you are doing exactly the right thing by reading this section. Taking action early, talking to others that can offer good advice and sticking to a new budget are all things that will help.

If at all possible, you should avoid missing a payment because it may affect your credit rating and cost more in the long run. If you can’t avoid missing a payment, you should call us because we may be able to offer a solution that would help.

You are not alone, some of these stories might sound familiar

Everyone’s story is slightly different, and while these aren’t the names of real personal customers, some stories might ring a bell. If they do, then you should take action as soon as possible. The best way of avoiding a big problem with your personal finances is to tackle it while it is still a manageable problem.

 

What you can expect next

If you miss a mortgage, personal loan or credit card payment, this may affect your credit rating and you will end up paying more in the long term. If you do call us, we promise to be sympathetic and non-judgmental. We’ll focus on providing helpful information and go through all the potential solutions for managing your debt.

We will help you to take action to give you the best chance of resolving your debt as soon as possible. Our staff have helped hundreds of personal customers to get their finances back on track.

Access our Practical Guide to learn more about managing you mortgage payments, understanding your options and finding a solution.

 

Talk to Us

If you think you will miss a payment call us on 028 9082 1682
For:     Mortgages Select Option 1
            Personal Loan Select Option 2
            Credit Card Select Option 3

Income & Expenditure Form

 

Download your Income and Expenditure form and access information here.

Other Support

 

Get Independent Advice

 

Warning: If you do not meet the repayments on your credit agreement, your account will go into arrears. This may affect your credit rating which may limit your ability to access credit in the future.

Warning for Mortgages: Your home is at risk if you do not keep up payments on a mortgage or any other loan secured on it.

† Calls may be recorded. Call charges may vary - refer to your service provider.