How can you help me?
We understand that everyone's circumstances are different. Sometimes setting up a payment plan might not seem possible. Talk to us so that we can help find you the right support.
Your next stepsJD Williams is home to recognised brands such as Simply Be, Jacamo, Home Essentials and Ambrose Wilson
We understand that everyone's circumstances are different. Sometimes setting up a payment plan might not seem possible. Talk to us so that we can help find you the right support.
Your next stepsWe've purchased your outstanding balance from JD Williams. It's important that you contact us to discuss your options. Don't worry, we'll work with you to find an affordable way to clear this debt.
Get in touch to talk about your options to ensure you meet the payment terms. Not meeting the minimum payment terms could eventually lead to us applying a default on your credit file even if you are making regular payments.
Credit file guideTalk to one of our friendly team to discuss your options and ensure you meet the minimum payment terms.
The best way to get in touch is by calling us on our freephone number 0333 556 5735
Our lines are open 9am-6:30pm Monday to Friday, and 9am-4pm on Saturdays. We're closed Sundays and Bank Holidays.
We understand that nobody wants to be in debt and it can often feel overwhelming. If you need extra help, you can get free advice and support through a number of independent organisations.
JD Williams Brands |
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Ambrose Wilson |
Fifty Plus |
House of Bath |
Nightingales |
That’s My Style |
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Classic Detail |
Figleaves |
Jacamo |
Oxendales |
The Brilliant Gift Shop |
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Crazy Clearance |
Gray & Osbourn |
Julipa |
Premier Man |
The Shoe Tailor |
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Fabrici |
Heather Valley |
Marisota |
Shapely Figures |
The Special Collection |
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Fashion World |
High & Mighty |
Naturally Close |
Simply Be |
Viva La Diva |
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Feel Good |
Home Shopping Direct |
New Now |
Simply Yours |
Williams & Brown |
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We’ll try to contact you by phone, email and letters. If you get in touch and tell us what’s going on, we can help you find the right support.
If you don’t respond when we reach out, we can’t talk about your options to ensure you meet the minimum contractual payment amount. Not meeting the terms could eventually lead to us applying a default on your credit file even if you are making regular payments
We understand how overwhelming debt can be, especially if you feel you can't afford to pay it. But, if you ignore your debt, it can cause a more difficult situation. It's always worth getting in touch and telling us what's going on so we can offer you the right support.
If you don’t get in touch to set up a payment plan or tell us about your situation, your account could default. We’ll get in touch if your account is at risk of defaulting by sending you a default notice. If we don’t hear from you within a set time the account will then show as a ‘default’, which will be visible on your credit file for at least six years.
If your account is being reported to the credit reference agencies, we’ll update them with details of your payments. If you fall behind with contractual payments, your arrears will increase which could impact your credit file status and lead to a default being entered. This could impact your ability to obtain credit in the future.
Call us to discuss your options and ensure you meet the payment terms.
Any notices that we are required to send you by law in relation to your loan agreement will reflect the status of your account based on the contractual monthly instalments and the outstanding balance as per the loan agreement (i.e. the balance before the deduction).
Although we might be allowing you to pay less than is due under your original credit agreement, this is a non-contractual waiver of our rights and the terms of your credit agreement remain unchanged of future interest and charges.
No, this account has not been defaulted at this stage.