The costs of your loan will only increase if you fail to stick to your initial repayment schedule and you don’t contact us to make new arrangements.

You need to study the table click here for unascertainable fees and charges which may be charged if you are in default of payments and have not made arrangements with us for any changes to be recorded and properly recorded on your contract using our Internal Dispute Resolution (IDR) process.

If you have continuous problems with repayments, we may reduce the amount available to you on subsequent loans or make further loans unavailable.

We are always careful to lend amounts which will not lead to repayment difficulty or bad credit – but we also ask you not to borrow from us if you think you might struggle to repay for any reason.