Financial Difficulty

Financial Difficulty – Options

My agreement is in arrears – what options do I have?

Having trouble meeting your car finance payments now or worried about future ones?

We always advise you to contact your lender as soon as possible.

Along with reaching out to your lender, there are a wide variety of local and national debt support agencies available to assist. These include:

Money Helper

Government-backed with guidance on benefits, tax, pensions, homes and savings
Money calculators, helpful articles and regular updates

Support is available online, over the phone or face-to-face
Call 0800 138 7777 – Monday to Friday, 8am to 6pm.

Step Change

Free, impartial advice to get your finances back on track

A wide range of practical debt solutions

Support online 24/7 or by phone. Call 0800 138 1111 Monday to Friday, 8am to 8pm, and Saturday, 8am to 4pm.

Citizens Advice

Free advice on a range of topics, including benefits, debt, housing and consumer rights

Help with managing your money

Practical and impartial support online, in person or over the phone

Call 0800 144 8848 – Monday to Friday 9am to 5pm