Dealing with financial difficulties

Struggling financially

We're here to help

We understand that sometimes people struggle financially. Bills can pile up and it’s difficult to make ends meet.   It feels scary and you’re tempted to ignore the situation, hoping things will improve.

If you're worried about paying money back, your debt feels like a huge burden because you're spending more than you earn,  you're struggling to pay your mortgage/rent/bills or several of your cards are at the maximum credit limit...it's time to ask for help.

Struggling to make payments

We have a range of measures available to help support you if you're experiencing financial difficulties.  If you’ve already missed or you think you may miss a payment for a loan, mortgage or struggling with your overdraft, get in touch with one of our friendly Financial Support Analysts by following three easy steps. 


Gone overdrawn on your account or over your agreed overdraft facility we're here to give you financial support.


Missed a loan repayment or worried that you may miss a loan repayment, we're here to give you financial support.


Missed a mortgage repayment or worried that you may miss a mortgage repayment, we're here to give you financial support.

Repayment Break

Struggling to cover your loan or mortgage repayments, worried that you may miss a repayment, we're here to give you financial support.

Financial Health Check

If you are worried that you will experience financial difficulties in the future, a Financial Health Check could help.

It is a 15-20 minute discussion of your finances where we review the services you have with us and run through your financial goals to make sure that you're making the most from your banking with us.

What type of customer are you?
What type of Financial Health Check would you like to book?

In Person Financial Health Check

Video Banking Financial Health Check

Video Banking Financial Health Check

Things to consider when discussing your finances

It’s worth getting together some information before you call anyone to talk about your situation, whether you decide to speak to us or get independent advice.

Most organisations will ask about your income, your household expenses, how much you owe and who you owe it to. If you decide to get further support from a debt charity or organisation, you might need to provide:

  • Salary slips
  • Evidence of tax credits or benefits
  • Utility bills
  • Evidence of other household expenditure
  • Mortgage statements/rent details
  • Bank statements
  • More details about each of your debts
  • Copies of any credit agreements you have

Free money advice agencies that can offer help

And we have tools to help...

Manage your money via the mobile app, our free mobile banking app allows you to bank wherever you are at whatever time of day

App available to customers aged 11+ with compatible iOS and Android devices and a Channel Islands, Isle of Man, UK or international mobile number in specific countries.

Our money management guides

Better budgeting

Getting a clearer idea of your monthly budget could help you make better decisions about how you manage your money and plan for your future. Take a look at our top tips to help you budget better.

Smarter Saving

Reviewing your direct debits or switching energy supplier are two ways you could potentially save money and give your monthly budget a boost or leave you a little extra to save for a rainy day.

How to contact us

If you have a Relationship Manager, please give them a call.

If you don’t have a Relationship Manager, please fill in our callback request form.