Hopefully, you’ll feel less stressed if you choose a way to contact your creditor. that feels most comfortable for you. Here are the things to think about.
Pick a day and time that suits you, so you won’t have to leave the conversation to deal with other commitments..
Remember, contact centres often have busy times, so, if you can, it’s best to call them mid-morning or mid-afternoon or early evening instead of lunch time or first thing in the morning.
Online chat or WhatsApp
Consider using online chat or WhatsApp if you haven’t already. It puts you more in control of the conversation and you can respond in your own time.
By email or letter
If you’d prefer to email or send a letter Citizens AdviceOpens in a new window and StepChangeOpens in a new window have lots of sample letters you can use, for example, if you can’t afford to keep up with payments or want to ask for a temporary payment arrangement.
Remember, it may take a little longer to get a response, so better to use if your query isn’t urgent.
Look at the back of your bill or statement for ways to contact your creditor