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.

Bill's story

Bill's story

Bill had never missed a payment on anything. He was made redundant and it was taking longer than he thought to get a new job. Bill was worried that if he missed a payment, his credit rating would be affected. Bill phoned us, we took time to understand his circumstances and we were able to adjust the payment terms for his loan. We also explained the options for the credit card repayments, which helped him to avoid charges. Learn more about fees and charges.

Emma and Noel's story

Emma and Noel's story

Emma received some concerning news at work that she would soon be made redundant. This left her and her husband very worried that they would not be able to meet their upcoming mortgage payments. Emma called us to see if we could help, we listened to her circumstances and asked Emma and Noel to complete the Income and Expenditure form. This gave us a good understanding of their financial position and allowed us to come up with a solution which would reduce their monthly mortgage repayments for the following 3 months. This made the situation manageable and ensured arrears did not start to accrue.  Emma was successful in securing a new job which meant they could return to paying their mortgage repayments in full. 


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.