I’m worried that I cannot afford my repayments – what do I do?

We appreciate that circumstances can change, and customers can find themselves in a position of financial difficulty through no fault of their own. If this is the case and as a result, you no longer feel that you’ll be able to make the agreed repayments, please get in touch. If you fail to make the agreed repayments and we’re unable to contact you or agree a suitable way forward, we may deem it appropriate to seek an order for possession of the property from the Court. 

We would only ever take this action as a last resort, after exhausting all available options to engage with you and support you with your payments.  

You may also wish to consider independent support, offered from a number of organisations, all of which are listed here: <Offa Signposting Webpage>. 

It’s important to advise also that your account may attract additional fees as a result of any missed payments, in line with our Tariff of Charges. Any charges applied to your account will be fully visible within your statement, however, should you have any queries about them, please contact us and we’ll be more than happy to discuss them. Click here to view and / or download the Tariff document for your records.

The first and most crucial step is to reach out to our customer support team as soon as possible. Early communication allows us to understand your situation and provide the most suitable assistance.