Marsh Finance's FAQ Hub

Refinancing is changing your current car finance deal for a new one; you may be upgrading to your dream car or opting for something smaller.

Refinancing is a great option if you are struggling to keep up with your current finance agreement or are in a position to get a better car.

If you want to check if you'll be pre-approved without impacting your credit score, click here!

Learn more about pre-approval here.

Your credit score will likely take a small hit early on, but will recover over time, providing you make all your payments on time. 

You can find out if you're pre-approved* without impacting your credit score.

Click here to get started!

The most important thing you can ensure is that you can afford the car finance agreement on offer. When you choose to refinance, you are committing to a fresh agreement, and although the terms may seem enticing you must ensure the terms are affordable in the long run.

Refinance today and find out if you're pre-approved* with no impact on your credit score.

Learn more about pre-approval here.

If you are struggling with an impending balloon payment, refinancing may be a good option. With refinancing, your loan provider will pay the balloon payment and you will repay them over a fixed period. If this works for you, complete our quick and easy refinance form and a member of our team will be in touch.

Refinancing can be a good option if you are struggling to keep up with payments. By refinancing, you can change your agreement to cheaper monthly payments, either by downgrading your vehicle or extending your loan period to ensure you make full repayment. When considering refinancing, it is important to remember that you may end up paying more interest over time.

For more information, head over to our refinancing page. If you are ready to refinance, Get started on your refinancing journey here.

Of course! Here at Marsh Finance, we can be a great option to refinance with. 50 years in business, we are a great option for your financing needs. 

Refinancing provides the ultimate financial flexibility. You can choose a new car and a cheaper agreement, two things that are especially important during the cost-of-living crisis. Refinancing can also provide a direct path to an upgraded vehicle, a great option if you are looking to take the next step in your car journey.

In simple terms, a car finance settlement refers to the total amount you need to pay to completely pay off your car finance agreement early with Marsh Finance. This includes the remaining balance on your loan, any accrued interest, and potentially some additional fees.

Marsh Finance offers two main types of car finance agreements: Hire Purchase (HP) and Personal Contract Purchase (PCP).

• HP (Hire Purchase): With HP, you borrow money to buy a car and own it outright once all the repayments are complete.
• PCP (Personal Contract Purchase): With PCP, you make monthly payments to spread the cost of the car. At the end of the agreement, you have the option to purchase the car for a final balloon payment, return the car, or use the equity to put towards a new car.

There are several reasons why you might consider settling your car finance agreement early:

• Upgrading to a new car: If you find yourself wanting a newer car, settling your current finance allows you to sell the car or trade it in as a deposit towards a new one.
• Changing your financial situation: If your financial circumstances improve, you might choose to settle the loan to free up monthly payments in your budget.
• Selling your car: If you decide to sell your car privately, settling the finance beforehand gives you a clear title to sell.

There can be a few potential drawbacks to consider:

• Early settlement fees: Some lenders, including Marsh Finance, may charge an early settlement fee to compensate for the interest they would have earned on the remaining loan term.
• Loss of guaranteed minimum future value (GMFV) option (PCP only): With PCP agreements, the final balloon payment is based on an estimated Guaranteed Minimum Future Value (GMFV) of the car at the end of the term. Settling early might mean you don't benefit from any potential increase in the car's value.

To get the exact settlement figure, you'll need to contact Marsh Finance directly via our live chat. They can provide a breakdown of the remaining balance, any accrued interest, and any applicable early settlement fees.

Complete this form to request a car finance settlement figure. Once you have the settlement figure, Marsh Finance will advise you on the best way to make the payment. This could be through bank transfer, debit card, or another agreed-upon method.

Settling your loan in full shouldn't negatively impact your credit score. As long as you've made all your repayments on time up to that point, settling the agreement early can actually demonstrate good financial management.

• HP: Once you settle the full amount with Marsh Finance, you will become the sole owner of the car, and the vehicle title will be transferred to you.
• PCP: Upon full settlement, you will have the option to purchase the car for the final balloon payment outlined in your PCP agreement. If you choose not to purchase, you will need to return the car to Marsh Finance.

If you're having difficulty making your monthly repayments, it's important to contact Marsh Finance as soon as possible. We can discuss alternative options such as payment extensions or adjustments to your repayment plan. Check out our customer support centre for more information.

There typically isn't a strict deadline to settle your agreement, but the settlement amount provided will have a limited validity period. This is because the amount you pay can change due to accruing interest.

Once you've settled the agreement, Marsh Finance will typically send you a confirmation letter stating the account is closed and in good standing. You might also receive a letter of ownership (V5C) for HP agreements.

The processing time for settlements can vary depending on the chosen payment method. Bank transfers might take a few days to clear, while debit card payments might be processed instantly.

When you apply for car finance, your lender will need to conduct credit and eligibility checks to determine whether you qualify for a finance agreement. To complete the application process, you’ll need to provide proof of key information, such as your age (all applicants must be aged 18 years or over), address, earnings, employment status, and a full or provisional valid UK driving licence.

Here at Marsh Finance, we have certain criteria that a vehicle must meet before we can finance it, such as its age, mileage, price, and condition. We believe in helping as many people as possible to own their dream car, so even if you have a low credit score, it’s still worth checking to see what options are available to you.

Did you know that it only takes 30 seconds to submit an application with Marsh Finance? You’ll find out if you're pre-approved* on the same day without impacting your credit score.

Don’t let a less-than-perfect credit score stop you from getting the car you want. Apply for car finance with Marsh Finance today and let us help you hit the road!

Not necessarily! While having a good credit score can certainly make it easier to get approved for car finance, there are lenders out there who are willing to work with borrowers who have a poor credit history. Even if your credit score isn’t great, you still have options available to you. With a little bit of effort, you could be driving away in your new car in no time!

It only takes 30 seconds to submit a car finance application with Marsh Finance, you’ll find out if you're pre-approved on the same day!

The good news is that when you apply for car finance with Marsh Finance, it won’t have an impact on your credit score. We only conduct a ‘soft credit check’ when you apply, which won’t be visible to other lenders. This means that your credit score won’t be affected by the application process.

The application itself is super quick, taking only 30 seconds to complete. And the best part? You’ll find out if you’re pre-approved* on the same day! Apply now.

It’s important to note that we will conduct a ‘hard credit search’ when you sign the contract and finance agreement. This will show as a hard search on your credit report, but we’ll be sure to let you know beforehand.

You can apply for HP straight from here on the website through our application form.

Alternatively, If you would like to discuss making an application, email us at directsales@marshfinance.co.uk or call us on 01706 648882; we look forward to hearing from you and helping you to organise sorting your next vehicle!

Here's a breakdown of the timeline:

• Application review: We use automated systems to check your eligibility within minutes of applying.
• Further information: We may need some additional info to finalise your agreement.
• Validation call: Once approved, we'll give you a quick call to confirm some details.
• Funds to dealer: After the call, it typically takes about 2 hours to send the funds to your dealer.

Being successful in your car finance application depends on factors such as;

• Your credit score
• Affordability
• Budget

Here at Marsh Finance, we provide car finance to those with less-than-perfect credit scores.

Apply today to find out if you're pre-approved* without impacting your credit score.

A poor credit score will put off most lenders. At Marsh Finance however, we offer finance to varying credit scores. See if you're eligible.

Once you’ve made all the repayments, the car is officially yours to keep. This means you can sell it, trade it in, or use it as collateral for another loan. You’ll also receive a “statement of title” from Marsh Finance, or your chosen finance lender, which proves that you’re the legal owner of the car.

HP finance is a great option if you are looking to own the car at the end of the agreement, but don't have the funds up front to make a purchase. Eventual ownership also means that you avoid any mileage limits during the finance agreement. Apply for HP finance with Marsh Finance and receive a decision the same day!

• Affordable way to finance a car.
• Flexible repayment options that can be tailored to your budget and needs.
• Low initial deposit can help make the car more accessible.
• Fixed interest rates provide stability and predictability for budgeting.
• Ownership of the car at the end of the agreement.
• No mileage or usage restrictions as you own the car during the agreement.
• Can help build credit history and improve credit score through regular repayments.

• If you miss payments, your credit score can be negatively affected, and the car can be repossessed.
• You’re tied to the car for the duration of the agreement and may have to pay early settlement fees if you want to end it early.
• You don’t own the car until you’ve made all the repayments, so you’re unable to sell the vehicle until you’ve paid off your agreement.
• No large balloon payment at the end of your agreement, as there would be with a PCP agreement.
• Not suitable for short-term car ownership or if you plan to change your car frequently.

A balloon payment is a large lump sum payment that is due at the end of PCP agreements. This final payment is usually significantly larger than the regular monthly payments made throughout the agreement.

At the end of the PCP agreement, you have three options:

• Make a lump sum payment (also known as a balloon payment) to purchase the car outright
• If you have positive equity on your car, you can put the equity down as a deposit on a new vehicle. The new agreement will have to be a PCP deal.
• Hand the car back – providing all payments are made, you can simply hand the car back.

Yes, you can. However, this will involve significant financial outlay as you will have to pay the sum of the monthly repayments and the balloon fee. We recommend you stick to the terms of your agreement unless you can absolutely afford early termination of your PCP contract.

This should not be taken as financial advice, and you should conduct further research specific to your issue. 

Guaranteed Minimum Future Value (GMFV) is a term used in car financing that guarantees a minimum value for the car at the end of a Personal Contract Purchase (PCP) agreement. This essentially determines how much you will owe at the end of the agreement. The difference between the car’s current value and GMFV determines monthly car repayment amounts. GMFV is based on many factors such as the car quality, the model, as well as mileage and the length of the car finance contract desired.

You can apply for PCP straight from here on the website through our application form.

Alternatively, If you would like to discuss making an application, email us at direct@marshfinance.co.uk or call us on 01706 648882, we look forward to hearing from you and helping you to organise sorting your next vehicle!

Here's a breakdown of the timeline:

• Application review: We use automated systems to check your eligibility within minutes of applying.
• Further information: We may need some additional info to finalise your agreement.
• Validation call: Once approved, we'll give you a quick call to confirm some details.
• Funds to dealer: After the call, it typically takes about 2 hours to send the funds to your dealer.

Learn more about our eligibility checks and pre-approval.

As with many lenders, your score will affect how much your monthly repayments will be. If your score is lower, it might mean your payments are larger. There are many thing you can do if your score is low and you want to improve it—our top tips would be:

1) make sure you’re on the electoral roll, it’s much easier to get credit if you’re registered.

2) Keep up to date with your bills, it’ll show lenders you can keep up to date with payments

3) Fix any mistakes on your report, by checking it regularly you can make sure its up to date with no mistakes.

If any doubt, contact a credit referencing company to discuss your specific case.

You’ll need your driving license and a recent pay slip. We accept European driving licences and alternate identification cards but do not accept bank statements.

Here's what you can expect when you apply for financing with Marsh Finance for your dream car:

1. Quick Application: Apply online in minutes, and we'll review your information.
2. Fast Decision: You'll get a quick answer on your financing eligibility.
3. E-Sign Your Agreement: If approved, you'll electronically sign the contract and provide us with some documents (driving license, payslip).
4. Funds to Dealer: Once everything checks out, we'll send the money to your dealer within 2 hours (subject to a confirmation call).
5. Pick Up Your Car! Once the dealer receives the funds, you can drive away in your new car!

You can partially settle by paying a lump sum which would lower your monthly repayments or shorten the term but you cannot renegotiate your agreement. 

If you are struggling to make payments, please don't hesitate to get in touch.

Yes, you can settle your agreement at any time either by paying off the existing balance or by part exchange from your dealer who will work with us to organise your settlement.

For agreements like PCP and HP, you will agree with us on a deposit and it will affect your month repayments (the bigger the deposit, the smaller the monthly repayments).

Get no-deposit car finance with Marsh Finance.

PCP (Personal Contract Purchase) might be right for you if you prefer lower monthly payments, like changing your car every few years, and want options at the end of your agreement (such as returning the car, buying it, or trading it in). It suits those who can predict their mileage and maintain their car well.

Yes, you can usually settle a PCP agreement early by paying off the remaining balance, including the balloon payment. Check your contract for any early repayment charges or fees.

To make PCP easier to afford, think about a big deposit. This will reduce how much you need to pay a month. A car that is likely to keep its value is also good. Remember to try and negotiate to knock some pennies off the final price. Keep within the agreed mileage limits to avoid penalty fines. Going for a longer agreement can spread your costs out, but could increase the interest you pay.

Absolutely! Our car finance calculator is designed to be flexible. You can easily adjust the loan amount and loan term to explore different scenarios. Feel free to play around and find the perfect combination that suits your needs. It’s all about putting you in control of your car finance journey.

Great question! When applying for car finance, you’ll typically need to provide some key information. This may include details such as your personal identification, employment and income information, proof of address, and the car you want to finance. Don’t worry; our friendly team will guide you through the application process and tell you exactly what information is required.

We’re here to make it as easy as possible for you to get behind the wheel of your dream car!

Using our car finance calculator won’t impact your credit score. It’s just a handy tool to help you plan and make informed decisions.

With just a few taps, enter your loan amount, credit score, and loan term, and witness the magic unfold. Our calculator works behind the scenes, crunching the numbers instantly to deliver your quote.

Our car finance calculator provides instant results. Simply input your loan amount, credit score, and loan term to find out how much you can borrow. If you’re satisfied with the quote, continue your application, receive a same-day decision, and hit the road in no time.

Check out our article on how to improve your chances of getting approved. This article will provide you with hints and tips on how to improve your chances of being accepted for car finance.

Apply today and check if you're pre-approved with no impact on your credit score*.

We strive to provide you with the most accurate estimate possible based on the information you provide. Our car finance calculator considers factors such as loan amount, credit score, and loan term to generate a quote tailored to your input.

However, it’s important to note that the results are estimations and may be subject to slight changes when you proceed with your application.

Credit scores and affordability assessments can influence the final terms offered. Rest assured, we aim to provide a realistic and reliable quote to help you make informed decisions about your car finance journey.

The interest rate is the basic borrowing cost, while the Annual Percentage Rate (APR) includes additional fees and charges. Think of the interest rate as the core expense and the APR as the total cost of borrowing. We’re here to guide you through the financial jargon and help you make sense of it all. Feel free to reach out if you have any more questions – we’ve got you covered!

When it comes to choosing the type of car loan, you have two options with Marsh Finance, hire purchase (HP) and personal contract purchase (PCP).

HP is the more traditional form of finance in which you make an initial deposit followed by monthly repayments that, when completed, make the car yours.

Make all necessary repayments and ownership of the car transfers over to you. You can see more about HP via our dedicated page.

PCP is a good option if you are looking for lower monthly payments, although it will require a large lump sum payment at the end of the term to complete the agreement.

PCP is the right option for those looking to save money over time and put it towards the eventual balloon payment. You can learn more about PCP finance via our PCP page.

Of course you can! Click either ‘poor’ or ‘very poor’ on the credit score option of the calculator and receive an approximation of your repayments and the total cost of credit. Access our car finance calculator.

The amount you should pay for a car each month depends on your personal situation, affordability, the car you want to buy, and how long your loan term will be. Consider how much you can comfortably afford to spend on your car payment and ensure you have enough spare cash left to cover extra costs like insurance, tax, fuel, and maintenance. If car ownership is important to you or you’d like a newer car model, then you might want to pay more each month for a hire purchase agreement. But if low monthly payments are your priority, opting for PCP car finance or an older used car could be better.

For car finance you can trust and customer service built over 50 years of dedicated practice, choose Marsh Finance. We have championed customer empowerment since our inception in 1973 so that you can sit back and relax and let us take care of your car finance journey.

With award-winning staff members, our processes are efficient and aligned to today’s digital age, with our free-to-use car finance calculator that provides a look into a potential car finance agreement and our simple application form that will see you receive a decision the same day.

Apply today and find out if you're pre-approved without impacting your credit score*.

Finding the car for you can be a challenge. When it comes to assessing your affordability, consider your monthly income and any outgoings you are already committed to. The spare money you are left with can then be used for a car purchase. When budgeting for a car, consider additional payments such as road tax, maintenance fees and fuel costs, as these can stack up.

If you already have an idea of your budgetary limits, take the next step and work out what your financial agreement may look like using our car finance calculator.  Input your desired loan amount, the length of the term and your credit score and uncover how finance may look for you. Once you have a financial plan in place, visit our exclusive car marketplace, enter your budget and browse thousands of cars with over 20 filters to pinpoint the search to exactly what you need.

Once you have found your car, apply quickly and easily via the apply button below the car listing.   

The ideal APR for car finance is one that’s affordable and tailored to your situation. Marsh Finance has a range of APRs, and the one that you’re offered will depend on the amount you want to borrow, your financial history and the type of car loan you need.

Marsh Finance provides loans of up to £30,000. Interested in a car in this range? Visit our exclusive car marketplace to pinpoint your new ride, and apply for finance all in one place. 

Buying a car is exciting, but figuring out your budget can feel overwhelming. Here's a quick guide to help you:

• Know Your Budget: Consider your monthly income and existing financial commitments. What's realistically left over for a car payment?
• Beyond the Purchase Price: Don't forget ongoing costs like road tax, maintenance, and fuel! Factor these into your affordability calculations.
• Get Pre-Approved: Head over to our car finance calculator to see what your car finance might look like based on your budget and credit score.

• Competitive salary
• Long-service awards, employee of the month award, life event bonuses, quarterly awards, holiday entitlement increasing with length of service
• Flexible working options
• 25-day holiday package and bank holidays
• Employee assistance programme and wellness plans
• Regular social events
• Comprehensive benefits package including a pension scheme, on-site community pantry, monthly team lunches, free parking, and a beautiful, modern workspace.

Finding job roles at Marsh Finance is easy, view our latest vacancies here and get started towards your next career step.

Apply by clicking the link for open vacancies here. You will be taken to our dedicated careers hub, where you will find all the information available regarding the role you are interested in.

After you apply for a position at Marsh Finance, your application will be reviewed, and a member of our team will contact you regarding the next steps.

Working for Marsh Finance means working for a well-established finance company that cares for its staff. A family work environment supports collaboration and support throughout all levels of the business. On top of a supportive work environment, Marsh Finance offers numerous benefits to its employees:

• Competitive salary
• Long-service award, employee of the month award, life event bonuses, quarterly awards
• Flexible working options
• 25-day holiday package and bank holidays
• Employee assistance programme and wellness plans
• Regular social events
• Comprehensive benefits package including a pension scheme, on-site community pantry, monthly team lunches, free parking, and a beautiful, modern workspace.

Yes, working from home is available at Marsh Finance. We understand that life can be dynamic, and offering the ability to work from home is just one of the ways we support our staff, no matter their circumstances. Looking to join a company that offers home working? View our roles and apply today.

Marsh Finance provides hybrid working to all staff, ensuring that they feel supported to achieve their best work. Make the most of hybrid working and get the very best out of your work potential working with us.

We are based in Rochdale, Greater Manchester. Situated at the iconic Crossfield Mill, a stones throw from public transport to Manchester city centre and with quick access to the M62, our office is the perfect place to grow your career.

Marsh Finance is a leading car finance provider specialising in near-prime applications. We have been in business for over 50 years, in which we have won numerous awards and grown our status to one of the most reputable finance providers in the industry. Committed to providing the ultimate car finance solutions for its customers, working at Marsh Finance offers a great opportunity to grow your skillset whilst helping people achieve their dream set of wheels.

Looking to work for Marsh Finance, view our vacancies here.

If you are looking to get in touch after you have applied, simply email our team at hr@marshfinance.co.uk.

Of course you can! We are always looking for the best at Marsh Finance, and if you feel that is you, get in touch with our recruitment team here: hr@marshfinance.co.uk.

Yes, you can apply for multiple positions at Marsh Finance.

If you are looking to present applicants to Marsh Finance, get in touch with our HR team via email: hr@marshfinance.co.uk.

Our historic and stunning office Crossfield Mill is a fantastic representation of our strong foundations and historic standing in the car finance industry. A three-floor spacious workplace with breakout rooms and kitchen facilities on site, our office is perfect for those looking for a comfortable and enjoyable work space. Take advantage of a fantastic workspace and view our job vacancies today.

If you were to work for Marsh Finance you would be joining over 70 employees in providing car finance solutions for our customers. Read about a day in the life of our dedicated staff members to get the lowdown on the day-to-day at Marsh Finance.

Looking to grow your skills and advance your career? Here at Marsh Finance we encourage training and improvement to get the best out of our staff. Joining Marsh Finance is not just an opportunity to work for an experienced finance company but also an opportunity to build skills and advance to senior positions. If you are looking to grow your potential, Marsh finance is the place for you; view our available jobs today.

Our customer service team is available to assist you by phone Monday to Friday, 9:00 am to 6:00 pm and Saturday 9:00 am to 5:00 pm. You can also reach us by email at any time, and we'll get back to you as soon as possible.

There are several ways to get in touch with Marsh Finance:

By Phone: 01706 751273

By Email:

Apply for Car Finance: direct@marshfinance.co.uk

General Enquiries: enquiries@marshfinance.co.uk

Complaints: customercare@marshfinance.co.uk

Payments & Support: collections@marshfinance.

You can also use the form on this page to submit an online enquiry.

Currently, Marsh Finance doesn't have physical branches. However, we offer a convenient and efficient service through phone, email, and online.  

Yes, Marsh Finance has a formal complaint procedure in place – click here to view. If you have a complaint, you can contact our customer service team at customercare@marshfinance.co.uk directly, and they will guide you through the process.

Our free consultancy service covers a comprehensive range of services, including policy reviews, financial promotions reviews, risk analysis & assessment, regulatory sandbox forum support, performance reviews & analysis with actionable insights, operational efficiency reviews, and horizon scanning.

Access all these fantastic services by completing our MVP form here.

Yes, the consultancy service is completely free for our partners. We believe in supporting your success and growth.

Ready to take advantage of this free service?

Yes! Our free consultancy service is a valuable benefit exclusively offered to Marsh Finance partners. It's one of the ways we demonstrate our commitment to your success and growth within the car finance market.

Ready to unlock the full potential of your business?

Here's how partnering unlocks the consultancy service:

• • Dedicated Support: As a partner, you'll receive personalised guidance and tailored solutions from your dedicated Marsh Finance account manager.
  • Comprehensive Expertise: Our team of experts will conduct in-depth reviews, analyse data, and provide actionable insights to optimise your sales, compliance, and operations.
  • Ongoing Support: We'll remain a constant resource, keeping you informed about industry changes and providing ongoing support to ensure you achieve your business goals.
    
    

Unlock our exclusive offering now!

Partner with Marsh Finance and gain access to our free consultancy service. By working together, we can help you navigate the car finance landscape with confidence.

Become a Partner Today! 

Our team of compliance experts will review your policies and financial promotions and conduct risk assessments to ensure you meet all necessary regulations. We also provide ongoing support and access to industry updates.

Get on top of your compliance by joining our MVP today.

The Regulatory Sandbox Forum is a sounding board for your compliance monitoring queries. This service is available at higher MVP levels and helps you stay informed and proactive about industry changes.

Get on the MVP ladder and watch your opportunities grow alongside your MVP level.

Through performance reviews, we analyse data and provide actionable insights to optimise your sales strategies and boost conversions.

Improve sales performance by becoming an MVP.

We offer different MVP levels to cater to different partnership needs. Details about each level and its associated benefits will be discussed with you in our initial discovery discussion.

In addition to the free consultancy service, partnership offers access to near-prime lending solutions, dedicated account managers, and a collaborative approach to help you achieve your business goals.

Partner with Marsh Finance today, and benefit from our 50 years of financing experience.

If you want to change the day your payment is due, just fill out our quick form online, and a member of our team will get in touch to process this for you: contact us.

Here are some organisations that can provide you with free, independent debt advice:

• • StepChange: 0800 138 1111 link to StepChange
  • Citizens Advice: 03444 111 444 link to Citizens Advice
  • National Debtline: 0808 808 4000 link to National Debtline
  • MoneyHelper: 0800 138 7777 link to MoneyHelper
    
    

Remember, you don't have to struggle with debt alone. These organisations can help you manage your finances and get back on track. Want to talk to us about it? Our friendly team are here to help, contact us today.

Unfortunately, we can't fix your car ourselves. But we can help put you in touch with the car dealership you purchased your car from.

Contact us to learn more.

We take your concerns seriously. If you want to make a formal complaint, there's a special page on our website that explains what to do next: https://marshfinance.com/complaints.  If you are ready to make a formal complaint, call our customer care team on 01706 752385 or email them at customercare@marshfinance.co.uk and they'll do their best to help.

It's important to keep your info up-to-date with us, so we know where to send important letters. If you've moved, call us straightaway to let us know your new address: https://marshfinance.com/contact-us 

We can't give financial advice, but if you're looking after someone who might be struggling, there are people who can help. We can give you some information on how to find them if you contact us.

Thinking about a new car? We might be able to help! We can assess if another car finance loan is affordable for you. The good news is checking if you're pre-approved won't affect your credit score.

Learn more about pre-approval here.

• We understand that contacting us might not always be easy. Here are some ways we can help:

• Having trouble talking on the phone? No worries! You can send us a message through our website. Let us know in the message your preferred method of communication.
• Prefer someone else to manage your finances for you? We can work with you to find the best way to do this.
• Need something different? Our customer service agents are happy to discuss other communication options with you. Just let them know what you need!

We're very sorry for your loss. This can be a very difficult time, and managing finances can be overwhelming. Here are some helpful resources that can support you:

• Citizens Advice Bureau: https://www.citizensadvice.org.uk/
• Grief Encounter: https://www.griefencounter.org.uk/
• Cruse Bereavement Care: 0808 808 1677 or https://www.cruse.org.uk/
• For help with probate in England and Wales: 0845 302 0900 or https://www.gov.uk/applying-for-probate
• For help with probate in Scotland: 0131 334 0380 or https://www.scotcourts.gov.uk/taking-action/dealing-with-a-deceased's-estate-in-scotland
• Bereavement Register to stop unwanted post: 0207 089 6403 or https://www.thebereavementregister.org.uk/
• What to do after someone dies: https://www.aarp.org/home-family/friends-family/info-2020/when-loved-one-dies-checklist.html
• Tell Us Once: https://www.gov.uk/after-a-death/organisations-you-need-to-contact-and-tell-us-once
• Death Notification Service: https://www.deathnotificationservice.co.uk/
  

You can also let us know about your loss by contacting our customer care team on 01706 752385. We'll try our best to make things as easy as possible for you during this difficult time.