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Strictly Necessary Cookies


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Discuss payment difficulties

Money on your mind?

Life is unpredictable. And we know that, sometimes, this can throw your finances out of line. Nobody plans for this to happen – it just does.

If you’ve missed a payment or it looks like you may be in financial difficulty, we’ll try to get in touch by text message, phone and letter.

If this applies to you, please don’t stick your head in the sand. We’re here to help.

We know one size doesn’t fit all, so we’ll take into account your individual circumstances to find a common sense solution that suits you.

Before you call, it can be helpful to work out a few figures so we have the full picture and offer the right support. Try to work out:

  • your monthly income (including any benefits, pensions, bonuses or overtime)
  • your monthly household spending, including other debts. Our financial statement template is a handy way of gathering this information.

Understandably, we can’t offer advice on how to deal with debts you owe other people. But free, independent financial advice is available, and we’ve compiled a short list of organisations that could help.

For personal customers who want to make a payment or discuss payment difficulties

We’re here between 8.30am and 7pm Monday to Friday. To pay using our automated system, available 24 hours a day, please call 0161 333 7410 and select option 1.

For commercial customers who want to make a payment or discuss payment difficulties

If you are having payment difficulties, we’re here between 9am and 5:30pm Monday to Friday. If you would like to make a payment, you can call us 24/7.

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Request a call back

We’re here between 8.30am and 7pm Monday to Friday. We can’t promise we’ll be able to call on the same day as your request, but we’ll do our very best.