The application window to apply for a payment holiday or a payment holiday extension, if you aren’t currently on a payment holiday, ends on 31st March 2021. After this date we will not be able to process any new applications for a payment holiday.
If you are experiencing financial difficulty due to coronavirus and are worried about making your payments, we may be able to help you with a payment holiday extension for a further 3 months if you are still on a payment holiday.
After 31 March 2021, payment holiday extension applications will only be considered for customers who have an initial payment holiday arrangement in place.
If we approve your payment holiday extension request, we will extend the temporary break from your payments for another 3 months. We will amend your credit card agreement so the minimum monthly repayment is £0 during this period. Please note, interest will continue to accrue and be added to your balance.
Once you have submitted this form, we will assess your account and call you within 14 days to discuss your request and agree with you the most suitable outcome given your financial circumstances.
Payments we’ve allowed you to miss during your payment holiday will not be reflected as a missed payment on your credit file, and you will not be charged any late or over limit fees. However please be aware that other lenders may take your payment holiday into account which could impact your ability to obtain credit in the future.
If have already been subject to a full payment holiday/extension period of 6 months and you are still experiencing financial difficulties, please contact us to discuss this us on 03457 212 212, we are available 8am – 6pm Monday to Friday, and 9am – 5pm Saturday and Sunday (call charges). We may be able to support you with alternative payment plan arrangements.
Unfortunately, we are experiencing a very high volume of calls at this time so we apologise in advance for any delays you may experience. Please bear with us – we want to help you as soon as we can.
Please note, that if we don’t hear from you by the date your first repayment following your payment holiday is due, we will assume you intend to start making your minimum monthly payments again, as detailed in your statements. To remind you, if you miss payments and have not contacted us first then this may impact your credit file.
We may contact you about your payment holiday request, by phone, letter or email. To protect yourself from scams, it’s important that you remember the following advice;
The Bank, police or any other trusted organisations will never contact you out of the blue by phone, email or text message and then ask you to:
Download an app or software on to your device and then ask you to log in to your online banking or tell them your online banking verification codes.
Move your money to a new or ‘safe’ account, or ask you to help with an investigation.
Ask you for your card details or bank security information in full.
If we do contact you by email, we will not include any links or attachments within the email asking you to complete more information.
If you’re calling from the UK, calls to 0800 and 0808 numbers are free from landlines and mobiles; calls to 03 numbers cost the same as calls to numbers starting with 01 and 02; calls to 0845 and 0870 numbers cost 3p per minute, plus your phone company’s access charge; calls to 0844 and 0843 numbers cost 7p per minute, plus your phone company’s access charge. Charges for calls made outside of the UK will be determined by your local provider.
Calls may be monitored or recorded for security and training purposes.