I am experiencing financial difficulties, how can you help me?

At EE Finance, we understand that circumstances can change, and you may sometimes find it difficult to keep up with your loan repayments. If you are experiencing financial difficulties, we are here to support you.

How we can help

We want to work with you to get your account back on track in a way that is realistic and sustainable. Depending on your circumstances, we may be able to:

• Help with arrears management — for example, spreading arrears repayments over a few months alongside your normal payments.

• Consider deferring arrears to the end of your loan term.

• Offer tailored payment plans if your loan has become unaffordable or your circumstances have significantly changed.

• Review your situation if you are experiencing financial difficulties or other life events that may impact your ability keep up with your payments such as such as illness, bereavement, or sudden unexpected change in your circumstances.

In most cases, we will ask you to complete an affordability assessment (Income & Expenditure form). This allows us to properly understand your financial circumstances and make sure any new repayment plan is fair and affordable for you.

👉 Complete the EE Finance Income & Expenditure Form

Independent debt advice

You may also wish to speak to a free, independent, and FCA authorised debt advice organisation. They can give you confidential support and help you understand your options.

Here are some trusted organisations in the UK:

• StepChange Debt Charity
  Website: www.stepchange.org
  Phone: 0800 138 1111

• National Debtline
  Website: www.nationaldebtline.org
  Phone: 0808 808 4000

• Citizens Advice
  Website: www.citizensadvice.org.uk
  Phone: Check your local office here

• MoneyHelper (from the Money and Pensions Service)
  Website: www.moneyhelper.org.uk
  Phone: 0800 138 7777

• Christians Against Poverty (CAP)
  Website: capuk.org
  Phone: 0800 328 0006

All of these services are free, confidential, and available to everyone.

Need our support?

If you are worried about your loan repayments, please reach out to us as soon as possible. The earlier we understand your situation, the more we can do to help.

We are committed to treating all customers fairly and working with you to agree a solution that meets your needs.