Payment difficulties? We're here to help
At Central Trust Limited, we understand that your circumstances may change and you may not be able to make your payments on time. Please be assured that we are always here to help and would ask you to contact one of our fully trained Customer Support team or Specialist Customer Support staff using the details above; they will be happy to discuss your circumstances and run through the options available to try and help you.
Things you can do to help
If you’re having difficulties making payment, please call us as soon as possible on 0800 980 6274
Keep to any payment plan we agree with you. Regularly stay in contact with us.
Keep us informed of any changes to your circumstances.
Budget Planner
We always find that it’s a good idea to get a clearer picture of your finances, and to ensure that any payment you make is affordable for you.
Please use the following link to complete our budget planner form on our website.
Where else can I go for help?
Whilst we will do everything possible to help you during financial difficulties, we also recommend that you obtain independent advice. You can contact the organisations in the list below for free, confidential and impartial debt advice.
Please contact us for more help.
Other ways to get help
Struggling to stay on top of bills, facing a job loss, need to manage irregular earnings or just generally feeling the squeeze? We've partnered with MoneyHelper who offer a range of free, expert tools and guidance for managing money in uncertain times so you can find out your next step. Whatever your situation, their various tools and calculators can help you move forward and improve your financial situation. Visit MoneyHelper.org.uk/way-forward to see the full range of guidance on offer.
We've also included some useful links to some tools that could help below.
Bill prioritiser tool
Struggling to stay on top of your bills and payments? MoneyHelper's Bill prioritiser can help you make a plan to get back on track. Select which bills you're worried about, find out which ones to tackle first and get clear next steps.
Bill Prioritiser >
Money problems and mental wellbeing
We know how hard it can be if you're struggling with your mental wellbeing and trying to manage your money at the same time. This guide is full of really useful information so you can take control again.
Guide >
Talking to your creditor
It's a great idea to speak to your creditors about any problems you're having.
Creator >
Debt advice locator tool
Are you struggling to keep up with multiple debt repayments? You can use this Debt Advice Locator Tool for further help.
Debt advice >
Money advisor network - self-referral
If you are worried about debts of have missed payments, there is also free and independent debt advice available.
Scan this QR code using the camera on your smartphone
Visit Moneyhelper >
Citizens Advice
For free, confidential, and impartial advice on debt and a wide range of other topics. You can access advice online, over the phone, or by visiting your local branch
National Debtline
National Debtline offers free and confidential debt advice for people living in England, Wales and Scotland.
StepChange Debt Charity
StepChange Debt Charity is the UK's leading debt advice charity, with over 20 years' experience of helping people become debt free by providing practical solutions.
Money Helper
For money and pension guidance all in one place that’s free to use.
Money Advice Scotland
If you live in Scotland, phone or visit their website to find contact details for debt advice in your local area.
Advice NI – Debt Action NI Service
If you live in Northern Ireland.
Christians Against Poverty (CAP)
For free debt advice.
1st Floor, Building 2, Axis, Rhodes Way, Watford, WD24 4YW or
Please Contact us for more help
THINK CAREFULLY BEFORE SECURING DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
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