Struggling financially

An income and expenditure form or sometimes referred to as a budget planner is used to understand a person’s financial position.

By completing the form, it will show you what money you have coming in, what you have going out, what’s left over and if you need some extra support. Don’t worry if you do – we’re here to help.

It is simple and quick to complete and should only take 15 mins, we’d recommend having your financial details to hand or make sure your able to log in to online/mobile banking to refer to for your spending. Complete an income and expenditure form.

There are several common reasons why accounts can move into our collections team, its important you get in touch with us as soon as you can .

We’ll explain why your accounts are with our teams and we will want to know a little more about your current situation as well as your income and expenditure and work with you to try to bring your accounts back within your agreed limits so that you can continue with normal banking.

Ways to speak to the team.

We're here to help you when you feel things won't improve. If you're struggling with your card payments it's best that you get in touch with us as soon as possible so we can help you understand your options. Find out how to speak to our team.

Your first step will be to understand how your change in circumstances will impact your finances, you can use our Budget Calculator to get a clearer idea of your monthly budget which could help you make better decisions about how you manage your money.

Also have a look at our Money Saving Tips to see 9 ways to help you save money.

It's really important for you to understand what options are available to you and we're on hand to support you regarding your mortgage. Visit our mortgage worries page for specific help.

When it comes to debt we have options that can help you feel in control of your money. If you're looking to pull everything you owe into one place, a debt consolidation loan could help. 

More about our Debt Consolidation loan.

Reducing your overdraft limit won't take long, find out how to reduce your overdraft.

If you’re concerned about rising energy prices and your bills, take a look at some of the ways you can try to reduce your energy usage and also learn what grants and schemes may be available depending on your circumstances.