Do you need support with your money worries?

When you contact us we'll:

• discuss your circumstances, to help us understand your present and foreseeable position.
• guide you through exploring your income and expenditure.
• present potential solutions and provide you with the information you need to make an informed decision on how to proceed.
• agree next steps and allow you time to reflect before proceeding.

There may be short or long term solutions available to you, such as:

• changing the date your mortgage payment is due to better fit in with when you receive your income and help with budgeting.
• repaying the shortfall alongside your future instalments.
• reducing your payments.
• reviewing the mortgage product, term or repayment method.
• changing your payment method.
• waiving interest/capital.
• Ask us to talk to a debt advice agency (such as the Citizens Advice Bureau) on your behalf.

Other solutions may be available to you however not all may be suitable for you. We'll discuss these when you contact us.

To speak with to a member of our Customer Care team call 0344 481 0030 or you can email payment.support@thenottingham.com.

You may want to use the Money Helper guide to managing your money.

If you fall behind with your mortgage payments, we may charge you administrative and legal costs. We will tell you the amount you will have to pay. Contacting us quickly may avoid you incurring these costs. As a last resort, we may take legal action to repossess your property to recover the amount you owe us.

Missed payments could affect your credit file, and could mean, you may get rejected for future credit applications, It could affect your ability to get a mortgage and It could also affect anyone who is financially associated with you by impacting their ability to get credit.

It is a good idea to check if you are entitled to any benefits or tax credits which could boost your income. If you have a mortgage-related insurance policy, check if it could help cover your payments.

• Direct Debit form (for mortgages only)
• Income and expenditure form
  
• Third party authority form
  
• Money Helper
  
• National Debtline
  
• PayPlan
  
• StepChange
  
• Citizens Advice Bureau
  
• Business Debtline
  
• Help for Households
• Shelter

Additional information you might find helpful:

• Nottingham mortgage FAQs
• Mortgage Charter, a set of commitments agreed between the Government, UK lenders and regulators to give more options and support to people struggling with their mortgage payments.