Your options
- Pay in fullThe quickest way to settle the account. Pay securely online at any time.
- Pay part nowPay what you can today online, then contact us about the rest.
- Make an offerIf you can't pay in full, tell us what you can pay and we'll put it to the creditor.
- Raise a queryIf you believe the balance is wrong or already paid, tell us before paying.
Make an offer
Tell us what you can pay now and each month after that. The creditor decides whether to accept it, and we'll let you know.
Prefer to talk?
Call us on 0800 953 3631, Monday to Friday, 9am to 5pm, excluding bank holidays.
If the account is in your personal name
If you're an individual rather than a business and something such as health or a bereavement is making it harder to deal with your account, let us know. Share as much or as little as you're comfortable with; you don't need to give medical details. It helps us communicate with you in the right way.
Free debt advice for individuals
If you're an individual struggling with several debts, free independent advice is available to help you plan how to pay what you owe.
Common questions
Can I pay in instalments or offer a reduced amount?
You can make an offer and we will put it to the creditor, who decides whether to accept it. Include what you can pay now and what you can pay each month.
What should I include with an offer?
Your account reference, the amount you can pay now, what you can pay regularly after that, and briefly why you can't pay in full. You don't need to give medical details.
Does making an offer put the account on hold?
If we need to refer your offer to the creditor, we pause collection activity while we wait for their instructions. The balance remains owed, so contact us promptly and keep us updated.
What if I don't think I owe this?
Tell us straight away using Query the account, with any evidence such as proof of payment, so we can check it with the creditor.