What you'll do
- Identify what kind of help you need
- Reach out to Merion about flexible options
- Find free, independent financial counselling
- Take a clear first step forward
4 min read
Help is available
If paying is difficult, you are not alone and there is support. Help comes in two forms: arrangements with us to make paying manageable, and free independent advice that helps you take control of your finances more broadly.
Step by step
- Decide what you need: more time, smaller payments, or help with your wider finances.
- If you can pay over time, ask about a payment plan or more time to pay.
- Contact us through the Help Centre to discuss flexible options for your account.
- If money is very tight, mention that you are experiencing hardship.
- For broader support, call the National Debt Helpline on 1800 007 007 for free financial counselling.
- When you are ready, pay any amount on the Pay your balance page.
Free, independent advice
Financial counsellors are free, independent and confidential. They can help you budget, prioritise debts and deal with creditors. The National Debt Helpline (1800 007 007) is a trusted place to start.
This guide is general information, not financial or legal advice. For advice on your own circumstances, speak to a financial counsellor or adviser.
Good to know
- Support includes flexible arrangements and free advice.
- Talk to us early about plans, more time, or hardship.
- Free financial counselling is available on 1800 007 007.
- Taking one small step is better than doing nothing.
FAQ
What help can Merion offer directly?
Flexible options such as a payment plan, more time to pay, or hardship support. Contact us to discuss your account.
Is financial counselling really free?
Yes. The National Debt Helpline on 1800 007 007 offers free, independent and confidential financial counselling.
I feel overwhelmed — where do I start?
Start by contacting us, or by calling 1800 007 007. One small step now keeps your options open.
Still not sure? Our team is happy to talk it through.