If you're experiencing financial difficulty, we're here to help you find the support you need, whatever that may be.
How to get in touch with us
📋 Contact form
Have a question or need assistance? Fill out our straightforward contact form and tell us more about your situation. Our team will get back to you as soon as possible.
💬 Live chat
Looking for instant support? Start a live chat with our friendly team for real-time answers to your questions.
📧 Email us
Prefer email? Drop us a line at contact@credisphere.co.uk, and we’ll respond promptly.
🕒 Service hours
Our team is available Monday to Friday, 9:00 AM – 5:00 PM (GMT).
If you reach out outside these hours, we’ll get back to you as soon as we can, subject to volumes.
Don't wait to miss a payment
If you can, it’s best to get in touch with us before missing a payment so we can help you understand your options.
If you do miss a payment you may be charged a Late Payment fee and we’ll need to inform the credit reference agencies.
What you can expect from us
We’re here to help. We’ll work with you to help you work through any financial difficulties you might be facing.
First we’ll need to understand whether you’re experiencing a short-term issue, or something longer term, or if we need to wait to find out. We'll need to gauge how serious a problem it is. We’ll help you do this by analysing your bank account data using Open Banking.
This will let us put together some options to help you manage your way through.
Signs of financial difficulty
Here are some of the signs of financial difficulty to help you decide when you should get in touch with us directly.
| Your income has dropped or your costs have risen | Maybe you're unable work for a while through illness or a change in employment, or a source of income has dried up, or your expenses have increased unavoidably e.g. if you have started to care for someone, or if a relationship has ended, or you're facing a sudden and unexpected spike in expenses. |
| Missed monthly repayments | You may have missed one or more monthly payments on your loan because you're unable to pay it. |
| Worried you're going to miss a repayment | Looking ahead you think, or perhaps know, that you're going to be unable to make a monthly payment. |
| Too much debt | You might have borrowed from other lenders and are worried that you won't be able to pay it all back. |
| Already in arrears with another lender | If you're up-to-date with your CrediSphere loan but behind on payments with another lender, then this should be taken as a sign of financial difficulty. |
| Credit card bills are rising | You find that your credit card balances are rising and you're only able to make minimum payments. |
| Debt management plan | You're discussing a debt management plan with a financial adviser. |
| Finding it difficult to make ends meet | You might find that it is difficult to keep up your essential expenses. |
| Gambling |
You may find you're spending more on gambling to the extent that it has become a problem and is losing you money. |
Where to get free independent advice
We can't offer financial advice. But there are free money advice organisations that can help. These organisations can help you assess your financial situation, tell you what options are available to you and advise you on the best route forward – we encourage you to make use of their services.
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Citizen's Advice Call on 0800 144 8848 (for England) or 0800 702 2020(for Wales) (Mon to Fri 9am – 5pm) |
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National Debtline Free and independent debt advice. Call 0808 8084000 (Monday to Friday 9am - 8pm and Saturday 9:30am - 1pm). |
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Step Change Get expert advice and fee-free debt management, so you can tackle your debts. Tel: 0800 138 1111 |
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Money Helper Call on 0800 138 7777 (for England) or 0800 138 01555(for Wales) (Mon to Fri 8am – 6pm) for free and get impartial money guidance to help clearing your debts, reducing spending, or making the most of your income |