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My circumstances have changed

Supporting you through challenging times.

Coronavirus

If the reason for your change in circumstances is related to Covid-19, please visit our Coronavirus support area for further information.


Coronavirus support

Life can throw all sorts your way, and we understand managing your money can be hard when you have other things going on.

We're committed to helping our customers, and can guide you to support and advice, to help you manage these life events and get back on track.

If you can't find the information you need here, you're always welcome to call us up and have a chat.

• Personal customers: 0161 333 7404. Lines are open Monday to Friday, 9am to 5:30pm.
• Commercial customers: 0161 333 7416. Lines are open Monday to Friday 9am to 5:30pm.

I'm dealing with ill health 

We understand that if you or someone close to you is diagnosed with an illness may mean you have to give up work, take time off unpaid, or make sobering plans for the future.

And this might mean that money is the last thing on your mind. So if your personal finances are adding to your worries, please let us know as soon as possible.

Personal customers: 0161 333 7404. Lines are open Monday to Friday, 9am to 5:30pm.
• Commercial customers: 0161 333 7416. Lines are open Monday to Friday 9am to 5:30pm.

General health advice

NHS Live Well provides lots of information for those dealing with various kinds of illnesses.

Coping with cancer

Macmillan Cancer Support are there to help anyone whose life has been affected by cancer. Their website is an invaluable resource with lots of information and support.

Their free Support Line is open 8am to 8pm, seven days a week. Give them a call on 0808 808 00 00.

Mental health services

MIND offers practical advice, and works to empower anyone experiencing challenges with their mental health by campaigning to improve services, raise awareness and promote understanding. You can call them on 0300 123 3393 or text 86463.

If you need to talk, the Samaritans will listen. Call freephone 116 123, at any time. Or if you prefer, write your thoughts down and send them to jo@samaritans.org.

Addiction advice and support

We Are With You is a charity who can offer useful advice and support to help people change their behaviors when dealing with drug or alcohol addiction, and the mental health issues often associated with them.

Action on Addiction is a national charity that offers residential rehab and community-based addiction treatment for addictions to drugs, alcohol, gambling and other behaviors.

I've lost my job or been made redundant 

If you think you'll struggle to meet your monthly payments as a result of your previous employment ending, please let us know as soon as possible. The sooner we know, the more we can do to help.

Personal customers: 0161 333 7404. Lines are open Monday to Friday, 9am to 5:30pm.
• Commercial customers: 0161 333 7416. Lines are open Monday to Friday 9am to 5:30pm.

If you've been made redundant, it's worthwhile checking if you have any personal insurance to cover your income or loan repayments while you're looking for another job.

Additional support

Turn2us helps people in financial need gain access to welfare benefits, charitable grants and other financial help – online, by phone and face to face. Turn2us is a national charity providing practical help to people who are struggling financially.

My relationship has broken down 

We understand that the breakdown of any relationship can have a significant impact on the household finances.

If circumstances mean you can't afford your monthly payments or if the change in your relationship means you need to manage your account differently, please let us know as soon as possible. The sooner we know, the more we can do to help.

Personal customers: 0161 333 7404. Lines are open Monday to Friday, 9am to 5:30pm.
• Commercial customers: 0161 333 7416. Lines are open Monday to Friday 9am to 5:30pm.

Citizens Advice offers free, independent confidential and impartial advice to everyone on their rights and responsibilities.

The Government’s official website helps with guidance on child maintenance options.

In addition, there are there are a number of charities dedicated to helping support you when a relationship breaks down.

Refuge is a national charity helping those who have suffered domestic abuse to rebuild their lives through support and advice.
• The Money Advice Service offers free, independent advice on how to deal with life events and can offer advice if someone is controlling your money, or running up debts in your name. Financial abuse is a form of domestic abuse. It is a crime and should be reported to the police.
Gingerbread works with single-parent families. They provide expert advice, practical support and campaign for single mums and dads.

My benefits have stopped/been reduced 

If the changes to your benefits mean you can't afford your monthly payments, please let us know as soon as possible. The sooner we know, the more we can do to help.

Personal customers: 0161 333 7404. Lines are open Monday to Friday, 9am to 5:30pm.
• Commercial customers: 0161 333 7416. Lines are open Monday to Friday 9am to 5:30pm.

Advice and support

Contact Entitledto. They are specialist benefits advisers and can help if you're not sure what you're entitled to.

I'm struggling to manage my account or someone I know is struggling to manage their account 

We understand that some customer’s circumstances change where they are no longer able to manage their own account and want to give authority for someone else to help them with this. We have detailed some options that are available and links to support and advice to help you determine what might be most suitable for you.

Letter of authority

If you'd prefer someone else to speak about your account on your behalf, that's fine. You can give immediate verbal authority for someone to discuss your account which lasts for that working day. Please call us to confirm the details.

Personal customers: 0161 333 7404. Lines are open Monday to Friday, 9am to 5:30pm.
• Commercial customers: 0161 333 7416. Lines are open Monday to Friday 9am to 5:30pm.

If you want them to be able to discuss the account permanently, download, print and complete the authorisation form, and send it our way. Either post it or email it to us at collections@togethermoney.com or commercialcollections@togethermoney.com

Together
Lake View
Lakeside
Cheadle
Cheshire
SK8 3GW

Power of Attorney

Power of attorney is a legal document that allows you to appoint one or more people to help you make decisions or to make decisions on your behalf.

English and Welsh residents The Office of the Public Guardian (OPG) helps people in England and Wales to stay in control of decisions about their health and finance and make important decisions for others who cannot decide for themselves. Please visit their website Office of the Public Guardian for further details on power of attorney.

Scottish residentsMygov.scot gives people and businesses information about and access to public services in Scotland. Please visit their website for further details on power of attorney.

Advice and support

Ageuk has an advice and support page regarding power of attorneys.

I need help with something else 

If you need support with something which isn’t listed, please call us and we'll do what we can to help.

Personal customers: 0161 333 7404. Lines are open Monday to Friday, 9am to 5:30pm.
• Commercial customers: 0161 333 7416. Lines are open Monday to Friday 9am to 5:30pm.

Build: 1.3.7.30243