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Can I make a late payment?

It is important that payments are made in full and on time each month, as that is our contractual agreement and this could help build your credit rating.

If something has changed and you think there is a date in the month that suits you better, you can change your payment date online, but we will need five working days notice so we can tell the bank.

If you don't think you will be able to pay us on time, call us on 01202 629161 (9am-7pm Mon-Thurs; 9am-6pm Fri; 9am-1pm Sat), so we can work out what's gone wrong and see if we can come to a reasonable resolution with you.

If your payment is late, we will notify both you and your guarantor as soon as we know, but we will always try and work with you first to bring the account back up to date. If we're unable to do this, or if we can't get hold of you for two weeks, we'll let your guarantor know and then collect payment from them.

If your payment is late and we are unable to come to a resolution with you, we will let your guarantor know and attempt payment from them once the account is behind by 15 days. This prevents the account from falling further behind and the arrears increasing. We’ll only ever ask your guarantor to pay in line with their agreement and in the best interests of you both.