Who do I contact about my debt?

What's happening

It is normal to feel unsure about who to speak to, especially if you have received a letter and want to ask a question. The good news is that reaching the right place is straightforward, and we want to make it easy to get in touch about your account.

This is general information, not legal advice. If you need advice, the free services linked below can help.

How to get in touch

You can contact us through channels you can confirm are genuinely ours:

• The contact details on a letter you trust
• Our official website, typed in yourself
• Our contact page

Always make sure you are using genuine details — see our guidance on confirming it is really us in the Help Centre.

What to have ready

To help us find your account quickly, it helps to have:

1. Your reference number from a letter
2. The original creditor's name, if you have it
3. A note of your question or what you would like to happen
4. Any preference for how you would like to be contacted back

Support available

You do not have to manage this alone. You can authorise a trusted person to help, ask for language or accessibility support, or speak to a free, independent financial counsellor. Whatever your situation, there is a way to get the help you need, and you are entitled to be treated fairly and respectfully.