Please be assured that we will help all our customers impacted by coronavirus. If you would like to apply for a payment break, you can do so by calling us on 0800 169 2000 to discuss the different options available to you.
Payment breaks will not impact your credit file held by credit reference agencies. You should bear in mind though, that lenders may take information from other sources into account when making future lending decisions, such as from your bank account where they will be able to see changes to your regular payments or information you provide them about your payment break.
If you take a payment break we are legally obliged to send you a ‘Notice of Sums in Arrears’ which will inform you that you have fallen behind with your repayments and are in breach of your agreement with us. However, this is not the case and your account will not be in arrears as long as you make your contractual monthly repayments as they become due when your payment break ends. Further information can be found in our FAQs.