Struggling with repayments?
Falling behind on bills or repayments can feel overwhelming but there’s support to help you take back control.
Whether you’re juggling credit cards, loans or essential costs, we’ve brought together trusted tools, debt advice and ways we can help.
We may be able to:
Create a repayment plan that works for you
Adjust your payments or interest
Offer breathing space or a payment holiday
Connect you with independent advice
Who to contact
Virgin Money mortgages
0345 609 9837Monday to Friday, 8am to 6pm
Example account number: 12345X-12345
Clydesdale and Yorkshire Bank mortgages
0800 141 2301Monday to Friday, 8am to 7pm
Example account number: 12345678 Example sort code: 123456
Monday to Friday, 8am to 7pm
Monday to Friday, 8am to 6.30pm
03 numbers
Same as calls to 01 or 02 numbers and they are included in inclusive minutes and discount schemes in the same way.
0800 numbers
Free from UK landlines and personal mobile phones.
Calls may be recorded for training and quality purposes.
Help with accounts and services
Mortgages
If you’re finding it hard to make payments, we’ll help you understand your options.
Credit cards
Find out how to reduce what you owe, request breathing space or make changes online.
Personal loans
Request a settlement figure, change your payment date or explore support if you’re struggling.
Current accounts
If you’re struggling to manage your current account, see what support options are available.
Business accounts
If you’re worried about cashflow or keeping your business on track, we’re here to help.
Tools and support
MoneyHelper’s budget planner
A free tool to help you manage your money and improve your finances.
MoneyHelper’s bill prioritiser
Some debts matter more than others. MoneyHelper can help you to sort urgent payments from the rest.
MoneyHelper’s debt advice tool
Answer a few quick questions to see what help might be right for you.
StepChange debt advice
See if you could reduce what you pay each month.
