We are experiencing a high number of calls at the moment. So that we can support those in the most vulnerable situations please only call if it is urgent. Remember, you can do most of your banking tasks yourself online, either using our app or through Internet Banking.

Call us for help

We have dedicated teams to help with your money worries.

Already missed a payment?

Mortgages

Call us on 0800 028 3861Lines are open Monday to Friday, 8.00am to 7.30pm and Saturday, 8.00am to 12.30pm.

Overdraft

Call us on 0808 145 0439Lines are open Monday to Friday, 8.00am to 9.00pm, Saturday, 8.00am to 4.00pm and Sunday, 9.00am to 2.00pm.

You can also get support with this online. Simply log in to Internet Banking or use our iPhone app (Android will be available soon). Then tap ‘Need help with your debt or payments?’ on the account menu.

 

  • We’re here to help if you have, or expect to have, any money worries. If you are struggling with interest charges on an arranged overdraft or if you are in an unarranged overdraft, we will work with you to agree how we can best support you to reduce your debt in a manageable way.  
       
    We'll need to understand your income and outgoings so we can look at what support may be available to you after a financial assessment.
     
    It’s helpful if you complete this budget planner ahead of calling us, to be best prepared for our conversation. If you have arrears with any other Banks or Credit providers, then you may want to seek independent advice as well as talking to us about options.  These options may include:  
       
    A 30 day interest hold 
    We may be able to give you time and space to get some independent help and advice to work through your money worries, make sure your priority payments are up to date and complete your budget planner so that you are best prepared to discuss your options.  We won’t charge you interest during this period.   
       
    Repayment Plans  
    We may be able to help you to start paying off any unarranged overdraft amount by setting up a repayment plan. This should get you back within your arranged overdraft limit or into credit within a period of 1-12 months. Setting up a repayment plan on your account can impact your ability to borrow in the future.  We will explain to you any implications this may have on your credit file during the process.   
       
    At the end of the repayment plan, if your situation seems to be longer term, we may be able to explore the option of a consolidation loan with you. This would allow you to combine your debts into one affordable monthly repayment.     
       
    There are further lending restrictions with this option, as you will no longer be able to have an arranged overdraft or obtain other forms of credit from us for at least 12 months, subject to a credit worthiness assessment. Loan repayments can be made over a period of 1 to 7 years and rates vary. 9% APR representative.  
       
    Representative example 
    You could borrow £7,000 at an Annual Interest Rate of 8.64% (fixed) over 48 months with 48 monthly repayments of £173.03.  The amount repayable will be £8,305.45. 9% APR representative.
       
    Close Account  
    The result of your financial assessment may indicate that you are no longer in a position to keep your accounts open. Where this is the case you may benefit from your accounts being permanently closed. When we close your accounts we may register a default with credit reference agencies, but we will also stop charging interest. We will also be able to agree a longer term repayment arrangement which will reduce your balances at a rate you can afford, leaving you with more disposable income.  
           
    For more information on support that could be available to you, call us on 0808 145 0439

    Lines are open Monday to Friday, 8.00am to 9.00pm, Saturday, 8.00am to 4.00pm and Sunday, 9.00am to 2.00pm.

Loan

Call us on 0808 145 0421Lines are open Monday to Friday, 8.00am to 9.00pm, Saturday, 8.00am to 4.00pm and Sunday, 9.00am to 2.00pm.

You can also get support with this online. Simply log in to Internet Banking or use our iPhone app (Android will be available soon). Then tap ‘Need help with your debt or payments?’ on the account menu.

Credit Card

Call us on 0808 145 0388Lines are open Monday to Friday, 8.00am to 9.00pm, Saturday, 8.00am to 4.00pm and Sunday, 9.00am to 2.00pm.

You can also get support with this online. Simply log in to Internet Banking or use our iPhone app (Android will be available soon). Then tap ‘Need help with your debt or payments?’ on the account menu.

Car Finance

0333 202 7943

Lines are open from 9am – 5pm Monday – Friday, 9am – 1pm on Saturdays and closed on Sundays.

Worried about future payments?

Mortgages

Call us on 0808 145 0437. Lines are open Monday to Friday, 8.30am to 7.00pm and Saturday, 8.30am to 1.00pm.

Loans

Call us on 0345 6047291. Lines are open Monday to Friday 8.00am to 6.00pm, Saturday & Sunday 9.00am to 5.00pm.

You can also get support with this online. Simply log in to Internet Banking or use our iPhone app (Android will be available soon). Then tap ‘Need help with your debt or payments?’ on the account menu.

Before calling us

To save time when we speak and give you the best help we can, there are some things to have ready:

  • Your account numbers
  • Details of your income
  • Monthly spending
  • Details of payments you make to others
It might be helpful for you to have a pen and paper to hand

What to expect

On the call we’ll help you by:

  • Talking through your money to see what's worrying you
  • Talking through what help you may be able to get
  • Giving some useful tips on where to get some extra help.

The length of the call to us will vary depending on your query and what support you need.

Not sure how much you are spending? Create a budget

Setting up a budget can help you see where your money’s going. The more you know about your money, the easier you’ll find it to get your finances back on track – and it can relieve your money worries too.

For most people, it makes sense to focus on their essential expenses or priority debts first. You can find more information about how to prioritise debts on the Money Advice Service website.

If you want to start a budget now, you can do so be going to the budget planner below.  

Go to Budget Planner