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Last updated:
19/10/2018

Free help is available

  1. Overview
  2. Can a bank lend to me when I am unwell?
  3. What does ‘capacity’ mean?
  4. Free help is available
  5. Should the bank protect me?
  6. What if I have a debt I cannot pay?
  7. How can I complain?
  8. Can I return things I bought when I was unwell?
  9. Next steps

If you got a loan when you lacked capacity, you should get advice as soon as possible. It is important to act quickly while there is still evidence of what happened. You can contact:

National Debtline

This organisation provides free, independent and confidential advice about debt. You can contact them over the telephone, by e-mail or letter.

Telephone: 0808 808 4000 (Monday to Friday 9am to 8pm and Saturday 9.30am to 1pm)

Email via website: www.nationaldebtline.org/EW/Pages/Email-us-for-Advice.aspx

Website: www.nationaldebtline.org

StepChange

StepChange provide free, confidential advice and support to anyone worried about debt. You can contact them over the telephone or online.

Telephone: 0800 138 1111 (Monday to Friday 8am to 8pm and Saturday 8am to 4pm)

Email via website: www.stepchange.org/Contactus/Sendusanemail.aspx

Website: www.stepchange.org

If you got a credit card that you can’t afford then you should stop using it. If you continue to use it it is a way of agreeing to the credit card conditions. This means you may have to pay back money you have spent on it. This is called “ratifying” the borrowing facility.

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Within this subject

  1. Overview
  2. Can a bank lend to me when I am unwell?
  3. What does ‘capacity’ mean?
  4. Free help is available
  5. Should the bank protect me?
  6. What if I have a debt I cannot pay?
  7. How can I complain?
  8. Can I return things I bought when I was unwell?
  9. Next steps
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