If you have a physical disability, mental health problems or are vulnerable, you might be worried about talking to your creditors.
But it’s a good idea to tell them about your situation. This is because once they know, they’ll be better able to offer support. They might have a specialist team to help customers like you.
Most companies will let you contact them in the way that best suits you. That can be webchat, email, telephone or in person.
Companies also have a duty to make reasonable adjustments to ensure goods and services are accessible for disabled customers, at no extra charge. This might include, for example, making adjustments to the way they communicate remotely or in person, or offer delegated or third-party access so a trusted person can help you manage your affairs.
If you wish to let your creditors know about a vulnerability or adjustment you can check if they are signed up to SupportHubOpens in a new window where you can register and select which of your creditors to notify of your support needs.
You can find out more about how your creditors can help in our guide Money problems and mental wellbeing.
If you need help to sort your payments, try our Bill prioritiser. And our Budget Planner can help you understand how much you can afford to offer your creditors.
You can also find out what benefits you’re entitled to and how to claim them in our guides to benefits, and what financial support and support services out there to help you.