Scotland // Unsecured Debt // I have been contacted by my lender

If your circumstances have changed and you have missed at least one payment, it is likely your lender will be trying to contact you. It is important to engage with them, regardless of how difficult that may seem. Your lender will attempt to offer you solutions where possible to prevent one or two missed payments spiralling out of control.
You must be prepared to be honest with your lender regarding your change in circumstances and financial situation, withholding information could prevent you finding the right solution.

Contact your lender

Your lender’s contact details can be found on a letter they have sent you or their website.

Complete an income and expenditure form

An income and expenditure form is a great tool to highlight areas of household expenditure which may be becoming unaffordable or areas which you may be overspending in.

Download Income & Expenditure Form

Entitledto contains a useful calculator to see if you would be entitled to claim any additional financial support.



PayPlan can offer help and support for any debt situation and a tailor made solution to suit your needs. PayPlan understand the impact that debt can have on your life. Their confidential and free advice service offers a wide range of practical solutions to help you become debt free.

Visit PayPlan

Contacting your lender could stop an arrears situation starting and keep your payments on track, visit the ‘Help Centre’ to see other sources of advice which may help and encourage you to tackle any potential debt problem head on.