Is there anything that I can do before submitting a financial hardship application?

You have several options to consider before submitting a financial hardship application. Some possible steps include:

• If you’ve lost your job and have income insurance, contact your insurer to check if you’re covered for loss of income
•  Get free, independent and confidential budgeting advice from MoneyTalks on 0800 345 123 (run by FinCap)
• Contact us if you’re having trouble making payments or think you may soon face financial difficulties
• Stick to any payment plan you’ve agreed to and tell us if your circumstances change. If your loan is secured and repayments aren’t kept up, the bank may take possession of and/or sell the secured property, and you’ll still be responsible for any remaining balance
• Keep anyone who has guaranteed your loan updated about your situation.