What support can you provide through financial difficulties?

You can receive help internally through The Co-operative Bank, where we will treat you sympathetically and positively, and we will do all that we can to help you overcome any difficulties and will work with you in reviewing your financial situation.

If you wish to speak to someone, please contact our Lending & Arrears Management team on 0344 371 3482 who are available from 9am to 5pm Monday to Friday (closed on all UK public holidays), or contact your named Relationship Manager.

You can also get free and independent advice and support from the following sources:

Business Debtline

The Business Debtline provides free, confidential and independent advice on how to deal with debt problems. The website has a number of self help factsheets and cash flow spreadsheets.


Provides free debt advice including advice for self-employed/sole traders, offering some guidance relating to tax debts.

  • Telephone: 0800 138 1111
  • Website: Stepchange.org 


Offers free debt management plans & other solutions for people facing financial difficulties, including debt solutions for businesses such as Self Employed IVAs.

  • Telephone: 0808 250 4545
  • Website:  Payplan.com 

Money Advice Service

The Money Advice Service has been set up by the government to provide free and impartial money advice in person, over the phone and online. They offer guides to help improve your finances along with tools and calculators to help you keep track and plan ahead.

The Insolvency Service

The Insolvency Service is the government online resource to provide guidance on personal and company insolvency.


In addition for members of the Federation of Small Businesses (FSB)  

The FSB is non-profit making organisation promoting and protecting the interests of the self-employed and owners of small firms by offering access to services which help you protect your business, can save you money and those that can help you look to grow your business.

! While all reasonable care has been taken to ensure that the information provided is correct, no liability is accepted by The Co-Operative Bank for any loss or damage caused to any person relying on any statement or omission. This is for information only and should not be relied upon as offering advice for any set of circumstances. Specific advice should always be sought in each instance.

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