Everyone goes through challenging periods in their personal lives. Some of us will need extra support, especially when it comes to managing finances.
Please don't hesitate to reach out to us if you've run into any difficulties - we're here to help you. Our trained team are on hand to support you in managing your account.
If you're facing any difficulties and you'd like to talk about it, please fill in our online form. You may wish to discuss:
A life event
If you're going through a tough time, such as a divorce/separation, bereavement, a stay in hospital or losing your job or home - or if you know that your current circumstances may worsen - reach out to us and let us know how we can help you.
Mental health concerns
Many people experience periods of poor mental health. This may affect how you manage your account.
We'd strongly encourage you to contact us if you need any help.
You may also wish to contact the below charities for support:
Reducing your balance
We recommend that you pay off more than your minimum payment every month, as this can positively impact the overall interest you'll pay.
If you're concerned about the amount of interest you are paying, please contact us
You can also use our repayment calculator to find out how much you could save if you increase your monthly payment.
Top tip: if you're using your credit facility to purchase an expensive item such as a sofa, making a payment upfront can help to reduce your monthly payments and the amount of interest you'll pay.
We understand that facing a difficult time in your life may affect your ability to make the required payments on your account.
Please see our article: What should I do if I'm struggling to pay my minimum payment? for more information on how we can help you.
You may also wish to contact StepChange or PayPlan for free, independent advice
Alternatively, speak to one of our trained advisors who can help you manage your account.
Safety or fraud worries
Unfortunately, being an online retailer makes us a target for fraudsters. Please be assured, however, that we have many safeguards in place to protect your account.
If you think that your account may have been compromised, or you've been a victim of fraud, visit the Safety and Security section of our helpcentre.