Debt & Repayment Problems

If you’re in financial difficulties, let us know so we can find the right solution.

We understand that at times it may be difficult to keep up with repayments and things can get on top of you. If this happens, it’s important to get in touch as soon as possible as things may get worse if they’re not dealt with quickly.


What we can do

We take pride in helping members who are in financial difficulties, so if you’re concerned about keeping up with your repayments, get in contact with us and we will do all we can to help.

To ensure we have the full picture of your current situation, we may ask you complete an Income & Expenditure form. We can then agree a suitable solution. This could involve a repayment plan which would spread your loan repayments over a longer period of time.

Contact us

020 7207 1444 

Credit Control Department
4 Heaton Road
SE15 3TH


What is the income and expenditure form?

The income and expenditure form will help us understand your circumstances better by taking into consideration your income, outgoing and payments to other creditors.

This will enable us to see what’s left over (after bills all are paid) to make sure the agreed solution is manageable and fits your circumstances. We also encourage you to speak to other creditors and reach similar arrangements.

Independent advice

In some situations, you may want to seek independent debt advice from another organisation.

This is particularly helpful where you owe money to several separate creditors or want confidential advice and help. You may find the information below useful in deciding who best to speak to:

Money Advice Service

Free, unbiased and easy-to-access money tools, information and advice.

Phone 0800 138 7777 to speak to a Money Adviser

Money Advice Scotland

If you live in Scotland, phone 0141 572 0237 or visit to find contact details or debt advice in your local area

Citizens Advice Northern Ireland

If you live in Northern Ireland, phone 0800 028 1881, email or visit for debt advice

Advice UK

Member centres offer debt advice including specialist advice for minority communities and people with disabilities  or phone
0300 777 0107

Christians Against Poverty (CAP)

For free debt advice in your home, check postcode coverage at  then call 0800 328 0006

Citizens Advice

For advice  on debt and other topics, visit
 to find details, opening times and locations of your local service.

National Debtline

If you live in England, Wales or Scotland phone 0808 808 4000 or visit for debt advice and information

StepChange Debt Charity

For debt advice throughout the UK phone 0800 138 1111 or visit

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