Difficult times

We will attempt to collect your payment again 7 days after your usual payment date, but we’d like to understand the reason this happened, so that we can discuss what options are available to you to avoid it happening again, such as changing your payment date.

You can call the team on 0345 601 3344 or you can make an appointment with one of the team directly here

There will be a £10.00 failed direct debit administration charge added to your mortgage loan, to avoid interest being added to the charge, you can choose to pay the fee directly.

Please contact us straight away on 0345 601 3344 so that we can discuss what options are available to you.

Speaking to us about your money worries won’t impact your credit file and we can explain how any of the options we may suggest will be reported, so that you can decide whether it’s right for you.

Alternatively, you can make an appointment with one of the team directly here.

We won’t be able to collect your mortgage repayments by direct debit so you should call the team on 0345 601 3344 to set up your direct debit again. We will also confirm what steps to take to avoid missing the mortgage repayment.

You will need to speak with us if you no longer intend to make direct debit payments, so that we can let you know what step’s you’ll need to take to make sure the right amount is paid to us on the payment due date.

If your payment is received within 7 days of the missed payment it will not impact your credit file. If the amount remains outstanding after this time, it will display as a payment shortfall which will be reported on your credit file. In this instance, we will get in touch to find out your circumstances and ask you to make the payment. Until either the amount is repaid, or we agree an arrangement for you to repay the amount owed, it will continue to be reported on your credit file.  

If you’re worried about making your mortgage repayments please get in touch by calling us on 0345 601 3344 or alternatively, make an appointment with one of the team directly here so that we can discuss what options are available to you.  

Visit out guide Running Into Difficulties While Repaying Your Mortgage for more information.