This guide helps with
- Recognise when an arrangement needs adjusting
- Understand that changing a plan is normal and welcome
- Know how to ask Merion to update your arrangement
- Learn what information helps the change go smoothly
- Find free help to work out a new arrangement
4 min read
You're not alone
An arrangement that suited you a few months ago might not fit today — your income may have changed, costs may have risen, or your situation may have improved. Whichever way it has gone, you can ask to change your arrangement. That flexibility is the whole point.
You are not being difficult by asking for an update. Keeping your plan in step with your real life is exactly what helps you stay on track.
What you can do
Depending on how things have changed, there are a few ways to adjust.
- Ask to lower your payments if things have got tighter.
- Ask to pause for a while if you have hit a rough patch.
- Ask to increase or bring forward payments if you are able to clear it sooner.
- Ask to change the payment dates or frequency to suit your pay cycle.
Step by step
- Have your account or reference number ready.
- Decide what change would help — a lower amount, a pause, or different dates.
- Contact us through the contact form or reply to your letter, and ask to change your arrangement.
- Tell us briefly what has changed and what you would like instead.
- Keep a copy of the updated arrangement and adjust your reminders.
Free support available
If you are not sure what new arrangement would suit you, a free financial counsellor can help you work it out and speak with us on your behalf. Call the National Debt Helpline on 1800 007 007 — free, confidential and independent. There is more guidance in our Help Centre.
Good to know
- Your arrangement can change as your circumstances change.
- You can lower, pause, increase, or reschedule payments.
- A short note about what changed helps the update go smoothly.
- Free help to work out a new arrangement is on 1800 007 007.
FAQ
Can I change my arrangement more than once?
Yes. If your situation keeps shifting, just get back in touch each time. Plans are meant to fit your life, not be set in stone.
What if I can now afford to pay more?
That is great — let us know and we can increase or bring forward payments so you clear the account sooner.
Do I have to wait until a payment is due to change things?
No. The sooner you tell us, the easier it is to adjust. Reach out whenever your circumstances change.
Still stuck? Our team is happy to help you sort it out.