If you've been contacted

I can't afford to pay the balance in full. What should I do?

Please talk to us. Ignoring the account doesn't make it go away, and there may be options. You can also get free, independent advice at any time.

What to have ready

An optional checklist, not a requirement

You don't need to tick anything or have every item before you get in touch. Having these to hand can save time later. If something is missing, just tell us. Your ticks stay on this page and aren't sent to us.

Tick off what you already have, if it helps.

0 of 3 to hand

Missing something? You can still get in touch now.

Query the account

How we help

  1. Listen and record what you tell us

  2. Put a proposal to the business that referred the account

  3. Confirm anything agreed in writing

What can happen next

Proposals may be accepted, changed or declined by our client.

Worth knowing

We can't agree an arrangement without our client's approval.

Questions people ask

Can I pay by instalments?

Possibly. Tell us what you can afford and we'll put it to the business you owe.

I'm going through a difficult time. How can I tell you?

Call us or use the payment support page. Tell us as much or as little as you're comfortable with, and we'll take it into account.