Collection policy

Before your due date

Reminders go out ahead of the due date by SMS, email and app notification. If auto-debit is in place, the single repayment is collected automatically on the date stated in your agreement.

If a repayment is missed

We contact you to understand why, explain the charges that now apply, and set out your options in writing. Contact is limited to permitted hours and to you — not your family, employer or references.

What we will never do

These are absolute limits, and breaches are disciplinary matters.

Recovery agents

Where an agent is engaged, they are named to you in writing, bound by our fair practices code, and subject to the same limits above.

Genuine difficulty

Tell us before the due date. Where the difficulty is real we will discuss a workable arrangement rather than let charges accumulate in silence.

Credit bureau reporting

Repayment behaviour, including delays and defaults, is reported to credit bureaus as required. This affects your ability to borrow in future, from us and from others.

کاغذی کارروائی کے بغیر قرض

No documentation, disbursal to your own bank account, and every charge disclosed in your Key Fact Statement before you accept.