If we see you’re in persistent debt, we will write to you to let you know before the end of the year. We’ll explain what we can do to help and encourage you to discuss your financial circumstances with us.
Following this, we’ll contact you again to support you, if we see your situation hasn’t changed.
Lastly, if we see you’ve been in persistent debt over a three year period, we’ll let you know your options for repaying the outstanding balance over a reasonable period of time. If you don’t engage with us at this point, we may need to block your card.