Understanding Your Situation

Life is full of ups and downs, and sometimes, circumstances beyond our control can make it difficult to meet loan repayments.

It’s essential to communicate with us if you’re facing challenges. By understanding your unique situation, we can provide personalised assistance that suits your needs.

Compassionate, Non-Judgmental Support

We won’t judge you based on your financial difficulties. Instead, we offer a caring and empathetic approach.

Our Member Solutions Team is dedicated to helping you find the best solution to overcome your loan repayment struggles while protecting your financial interests.

Repayment Plan Options

We offer various repayment plan options to suit your current financial capacity.

These options may include extending the loan term, adjusting repayment amounts, or granting temporary relief until you’re back on your feet.

Our aim is to make the process manageable for you while keeping your consumer interests at the forefront.

No Hidden Fees or Penalties

We are committed to transparency.

You can trust that we won’t burden you with hidden fees or impose penalties if you face difficulties in repayments.

Our focus is on finding practical solutions that ensure your long-term financial stability.

Protection of Your Credit Score

We understand the importance of maintaining a good credit score.

If you’re struggling with loan repayments, we’ll work with you to prevent any negative impact on your credit history whenever possible.

Early Intervention and Communication

The sooner you reach out to us, the better we can assist you.

Early communication allows us to address the issue promptly and find suitable solutions, potentially preventing more significant financial challenges in the future.

Partnership for Financial Success

When you’re a member of Notts & Lincs Credit Union, you’re not just a customer; you’re a part of our community.

We are dedicated to your financial success, and our commitment is to support you throughout your financial journey.

Commitment to Members

We use members’ money to provide loans and financial support within our community.

The responsibility to collect loan repayments is crucial for the our credit union’s sustainability and the ability to continue serving its members effectively.

It reinforces the cooperative nature of credit unions and supports the financial well-being of the entire membership.

How to Get in Touch

Getting the help you need is just a call or a visit away.

Reach out to our friendly Member Solutions Team at 0330 004 0842.

We are ready to listen, understand, and work together with you to find the best solution for your loan repayment struggles.

Helpful information

What Happens If I Miss a Loan Payment?

If you miss a loan payment on your Notts & Lincs Credit Union loan, it’s essential to understand the potential consequences and take appropriate actions promptly.

Here’s what typically happens if you miss a loan payment:


What happens if I miss a loan payment?

What To Do If You Miss a Loan Payment

Open communication with the us is crucial.

We are willing to work with members who experience temporary financial difficulties and help them find a suitable solution to manage their loan obligations.

What to do if you miss a loan payment

I Need Help With…

Debt Advice

As well as speaking to us about your money worries, you may like to get some independent debt advice.

Third-party companies such as PayPlan and StepChange have a friendly service that is completely free of charge.

They can work with you to put together a personalised action plan to help you get back in control of your finances.

Debt Advice Services

Gambling Problems

Worried about how much you’re spending on gambling? Is it affecting on your health or relationships?

We’re here to help.

Gambling Support

Understanding My Credit Report

Understanding your credit report is essential for managing your financial health and accessing credit when needed.


Understanding your credit report