Help and support for our customers
Secured Loans > Legal >We understand that from time-to-time things can happen that can affect your finances.
If you have any concerns about making your payments to us, or have fallen behind on your payments, we are here to help you. please get in touch to discuss with a member of our relationship management team, as the sooner we understand your circumstances we can help you with what options are available to you.
You can contact us by either:
Calling us on 0161 814 9975
Emailing us at [email protected].
Please include your name, customer reference number and best contact number and we’ll give you a call-back as soon as we can.
Our opening hours are:
- Monday to Thursday – 9 AM to 7 PM
- Friday – 9 AM to 5 PM
- Saturday Sunday – Closed
It might be helpful for you to gather some information on your current circumstances before you contact us, such as information on your current income and expenditure, but don’t worry if you don’t have all that information, the main thing is to reach out.
What options are available to me if I am struggling to pay?
We know one size doesn’t fit all, so we will take your individual circumstances into account to find an appropriate support option for your account with us that is affordable and sustainable, we have a range of options that we can consider based on your circumstances:
- Change the date you make payments
- Change the frequency of your payments to accept more frequent payments to suit your circumstances, i.e. weekly payments.
- Agree to accept lower payments for an agreed period.
- Allow you to pay nothing for an agreed period.
- Help you repay any arrears by agreeing a repayment plan
- Spread the arrears over the remaining term of your mortgage.
- Reduce or amend your interest.
- Write off some or all of the balance.
We are here to help and support you so please get in touch, you can call us on 0161 814 9975 or e-mail us at [email protected]
We’re not authorised to provide you with money advice, but we can point you in the direction of other free organisations who might be able to help with free advice such as:
MoneyHelper
MoneyHelper (previously known as the Money Advice Service) offers free information and impartial money advice. They can offer In-depth guides to help improve finances, have tools and calculators to help keep track and plan ahead and provide support over the phone by calling 0800 138 7777 and online.
StepChange
StepChange Debt Charity is a registered charity providing free, independent, advice and support. Their service is free and completely confidential, you can complete the process online or on the telephone by calling 0800 138 1111 or both. They will review your circumstance and find a way to manage your debts.
Citizens Advice
The Citizens Advice service is an independent organisation that provides confidential information and advice to help people with legal, debt, housing and other problems. They can offer face-to-face support, telephone support, or online.
For telephone support you can call 0800 144 8848 in England, 0800 702 2020 in Wales, 0800 028 1456 in Scotland and 0800 915 4604 in Northern Ireland (adviceNI).
We are here to help and support you so please get in touch, you can call us on 0161 814 9975 or e-mail us at [email protected]
For a typical loan of £30,000.00 over 120 months with a variable interest rate of 19.56% per annum, your monthly repayments would be £598.34.
Including a Product Fee of £2,400.00 (8% of the loan amount) and a Lending Fee of £807.00, the total amount repayable is £71,800.20.
Annual Interest Rates ranging from 11.88% to 29.38% (variable). Maximum 50.00% APRC. The loan must be paid back by your 70th birthday. Read more.
Think carefully before securing debts against your home may be repossessed if you do not keep up repayments on your mortgage or any other loan secured against it. If you are thinking of consolidating existing borrowing, you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.
