Borrowers Experiencing Payment Difficulties

A message from our Credit Control Team

We understand that times are difficult for some of our members and we are doing our best to help anyone experiencing financial difficulty.

What should I do if a receive a letter about arrears?

Please contact us immediately –

  • by telephone – 0161 3027045 – available Monday-Friday 9am-11am (or leave a voicemail and we will call you back if outside these times)
  • Use our Nivo app – just put a message in the chat box

You will be able to speak to a member of staff who will explain your options. Please do not ignore any arrears letters because it may lead to costly recovery action and your credit status will be affected.

What should I do if I’m unable to make the next payment due?

It is essential that you inform us of any financial changes that affect your ability to pay. This is in accordance with the terms of your loan agreement. It is often easier to help you if you contact us as soon as you know that you may have a problem making a payment. We will do our best to help you resolve the issue and get you back on track.

What should I do if I’m unable to clear my arrears?

If you are unable to clear your arrears in full it is important that you get in touch with us as soon as possible and we may be able to set up an affordable payment plan in order to reduce your arrears balance over time.

Will I be able to take out a top-up loan whilst I have arrears?

You are unable to apply for any further loans whilst your account is in arrears. We recommend that you clear your arrears as soon as possible.

I need some independent financial help

If you are experiencing financial difficulty and want some independent advice click here Most importantly, please tell us so we can work out how to help you.


We know that it can be difficult to deal with arrears however we have experienced and sympathetic staff who will listen to you and help you.