Payment difficulty

What if I disagree with the arrears figure?

Occasionally a figure looks wrong — a payment not credited, a date misread. If you disagree with what is shown, it is easy to get it checked.

Query it with us first

Contact us and explain which figure you think is wrong and why. We will check it against your account and the record of payments, and explain how the number was reached.

Have your evidence ready

If you believe a payment was not credited, having the bank record to hand speeds things up. Most disputes are simple timing or crediting matters that we can resolve quickly.

If it is a formal dispute

Where a genuine dispute remains, you can raise it formally with the Payment Dispute form, and you always have the right to complain via the Complaint form.

Most figure queries are resolved in a single conversation.

We lend only to UK limited companies and LLPs, and the loan is to the company with no director personal guarantee. As business finance outside the consumer-credit regime, it is not covered by the Financial Ombudsman Service or FSCS.

See also: How arrears are worked out day by day, What arrears means and whether it affects my credit file, What recovery steps can we take, and in what order?.

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