Pricing
Security and collateral
Use the statement and agreement to reconcile the transaction. Obtain a revised position before assuming that an extra payment removes a later due date.
| A proposed hardship plan is not an approved contract changeFree | The consequences of arrears need the actual agreementFree | Why a payment problem and an accounting dispute should be separatedFree | |
|---|---|---|---|
| A discussion can identify possible support while leaving approval and conditions unresolved. | ✓ | — | — |
| The useful record states what was agreed, when it begins and how the remaining account is calculated. | ✓ | — | — |
| A missed instalment can interact with charges, interest, reporting and other provisions differently across products. | — | ✓ | — |
| Use the account record and applicable terms to identify the position, alongside qualified support where needed. | — | ✓ | — |
| One borrower may be unable to pay the stated balance, while another believes the balance is wrong. | — | — | ✓ |
| A clear contact distinguishes the calculation question from a support request. | — | — | ✓ |
Know which documents matter
Build a consolidation comparison
Locate the rate conditions in the written offer and note which figures could change over the repayment term.