We can help you
Worries about money can happen to anyone at anytime. So it's important you know that we're here to give you the help and support you need, whatever the circumstances.
You could be dealing with specific personal issues which directly impact your ability to manage you account. We know it can be tough to deal with and you could be feeling overwhelmed and anxious but we have solutions. You could be struggling with mental or physical health problems, unemployment or being a carer for a relative or dependent.
It's important not to wait to get help - the earlier we understand what you're facing, the sooner we can offer you the support you need. No judgement, only help, support and understanding.
Taking positive steps
Take a look at the steps below to find out how you can start to improve you situation:
1. Get in touch
If you're already a Vanquis customer and you're concerned about your finances, please contact us straight away. You can call our team on 0330 099 3002* and we'll listen to your circumstances and try to work out the best way to help.
You can also access our financial difficulties form to tell us about issues with your payments.
If you're not a Vanquis customer, you should contact your bank, building society or your other financial providers for help.
2. Look at your current financial position
There are a number of things you can do to make small improvements to your situation. If you've not already done this, a good first step is to create a budget. This can include a list of all your outgoings, like your housing, energy costs and regular bills, and will allow you to spot any potential savings you can make.
The Government-backed Money Helper website is a good place to find step by step instructions on what you need to do. It will help you make sure you include all the bills and other information needed to set up a budget.
You should also check the amount of debt you currently have. You can start by checking your credit score with one of the main credit reference agencies, such as Experian, Equifax or TransUnion. Checking your report will show you which organisations you currently own money to and it will also alert you to any incorrect information that is held about you.
StepChange have a great article about how to get started with checking your current debts.
3. Check out the external support available
When you're looking to improve your financial position but find it challenging, we suggest taking a look at external organisations to see what help they can offer.
Take a look at our more help & support page for details on the organisations who can offer free support.