If you are finding it hard to keep up with payments, the most important thing is to tell us early. We would much rather help than see an account fall behind.
Depending on your situation we may be able to offer:
- a payment arrangement spreading what you owe over a manageable schedule;
- a short payment extension to give you breathing space;
- a hardship variation if your difficulty is longer term.
You can start any of these with our online forms — see the step-by-step guide to requesting a payment arrangement if you are not sure where to begin. For a fuller picture of the support available, see help if you are struggling to make a payment. We will always treat your situation sensitively. You can also talk to us about your situation directly.
See also: A debt collection agency has contacted me - is it genuine?, Can my accountant or another representative deal with you on our behalf?, Can I get a payment extension?.