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Money worries

13 November 2024

What should I do if I’m having financial problems due to ill health or other reasons?

Should your financial position change in a way that will affect your ability to make your monthly repayments it is extremely important you contact us immediately. If we are made aware of your circumstances as soon as possible it is likely we will be able to help you find a solution. In all such instances […]

13 November 2024

What options do I have if I can no longer afford to make my repayments?

You may have options available to you. Please follow this link to contact our Customer Services department for more information.

13 November 2024

What should I do if I want to voluntarily terminate (VT) my agreement?

You can learn more about voluntary termination here. To speak to a member of our team, please contact us on 0800 085 1759.

13 November 2024

Will I have to pay any charges or fees while I’m making reduced monthly repayments?

No, once we have agreed to accept a reduced level of monthly repayment you will not incur any late payment fees or additional charges provided you honour that agreement. Once the payment arrangement has been finalised and the monthly instalments return to normal, any additional missed payments will result in fees being incurred.

13 November 2024

While I am making reduced repayments will it affect my credit rating?

We have a duty to provide a true and accurate reflection of the financial conduct of our customers and as such register all activity with credit referencing agencies. If your account falls into arrears, therefore, this information will be registered with these agencies.

13 November 2024

How long will I be allowed to make reduced monthly payments, if accepted?

We review each case on an individual basis, aiming to ensure that payments are affordable and that the reduced payment plan would not cause further financial detriment.

13 November 2024

Which organisations can provide advice if I’m facing financial difficulties and want to reduce my monthly repayment?

If you’re having financial difficulties, you can look for free advice from a charitable debt management organisation such as: These organisations will help you assess your financial situation to see what you can afford and also help you fill out a common financial statement. This financial statement should then be submitted, together with a proposed […]

13 November 2024

Can I reduce my monthly repayments if I’m having financial difficulties?

We are happy to consider reducing your repayments. While we look at every case on an individual basis, there are a number of factors we take into consideration before any decision is made. These factors include:

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© 2025 Santander Consumer (UK) plc
Santander Consumer (UK) plc trading as Santander Consumer Finance. Registered Office: Santander House, 86 Station Road, Redhill. Surrey RH1 1SR: Registered in England and Wales. Company registration number: 2248870. VAT registration number: 466264724. Santander Consumer (UK) plc is authorised and regulated by the Financial Conduct Authority reference number 444327. A member of the Finance & Leasing Association and complies with its Lending Code, a copy of which we will provide on request or is available at www.fla.org.uk.
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