If you are coming to the end of your mortgage, credit card or loan payment holiday, we will contact you before it ends, there is no need to call us. To help find the right solution for your needs you can use our coronavirus support tools for credit cards and loans and for Halifax mortgages. If you have a Bank of Scotland mortgage, find out more here.

Free independent help and advice

You can get independent and free advice to help you deal with money worries from many organisations, including

Payplan logo

PayPlan offers free and confidential money advice that can help you to take back control of your finances.

They offer advice by phone, email and live chat making it quick and easy to access the advice you need.

Arrange a call or email back from PayPlan

Step Change Debt Charity

StepChange Debt Charity is a registered charity offering free, impartial advice and support to anyone who is worried about debt.

Their free counselling and debt advice can help you get back in control of your money and move forward with your life.

Visit StepChange Debt Charity website


Finding things hard? Need somewhere to turn to?

Turn things around with benefits, grants and financial help you can count on.

Visit Turn2us website

the Money Advice Service

Set up by the UK government,  MAS offers free and impartial money advice.

It can provide information  to help you decide the best way to take things forward and keep your payments on track.

It also suggest organisations which provide debt management services or providers who can help you keep on top of your money.

Visit The Money Advice Service website

Citizens Advice

Citizens Advice offers free help on a wide range of issues including debt.

Check your local phone book or Yellow Pages to get in touch.

Visit Citizens Advice website

National Debtline

National Debtline gives free debt advice by phone and online to people across the UK

Visit National Debtline website

FCA: Dealing with financial difficulties during coronavirus

The Financial Conduct Authority (FCA) are providing information for consumers dealing with financial difficulties due to coronavirus on their website.