
If you are struggling financially and are worried that you might not be able to make your finance payments, we would recommend talking to the lender to discuss the options available to you. It is better to do this early on, rather than when you have already missed payments, which would be likely to affect your credit score.
The following organisations and charities also provide free, confidential and impartial debt advice and support. They can help you understand your wider financial situation and can even help speak to lenders on your behalf. The most important thing is that you seek help as early as possible to minimise any impact on your credit file.