Our teams have experience of all kinds of personal lending. We are a responsible lender, and we will check that you can afford the loan before we agree to it. This will include a detailed review of your income and expenditure.
We promise that we will:
We offer both fixed and variable rates. Please refer to your terms and conditions to see which type of rate you are being charged.
We will give you at least ten days' written notice of any change to the interest rate, (or give you notice in any other lawful manner).
You have the right under the Consumer Credit Act 1974 to repay all or part of the outstanding balance at any time. If you wish to repay the outstanding balance early, please contact us on 0845 650 6290 (Monday to Friday, 9am to 5pm, excluding Bank Holidays) and we can provide you with a settlement figure upon request. If you wish to settle your account, the settlement figure we calculate for you will include 28 days’ notice and an additional 30 days’ interest (which we are entitled by law to charge). It will also provide details as to how to settle the account.
We are a responsible lender, and we will always deal with you honestly and sympathetically.
Please tell us immediately if you can no longer afford the payments on your home improvement loan.
If you tell us before you miss any payments, we’re much more likely to be able to help you.
You can contact us on 0845 650 6290 (Monday to Friday, 9am to 5pm, excluding Bank Holidays).
If you have a question about your loan, prior to the beginning of your agreement, please contact the company with whom you arranged your loan with. Once your loan agreement has begun, our customer services team can help with any questions. You can call us on 0845 650 6290 (Monday to Friday, 9am to 5pm, excluding Bank Holidays).
If you have made a payment to us via your smartphone and would like to talk to us about that payment, you can contact us on 0845 650 6288 (Monday to Thursday 8am to 8pm, Friday 8am to 6pm and Saturday 9am to 2pm, excluding Bank Holidays).
Alternatively you can e-mail us at firstname.lastname@example.org.
If you have been asked to make a payment to your loan via your smartphone you can make that payment using one of the following debit cards, Visa Debit, Maestro Debit or Mastercard Debit. We do not accept payments via credit card.