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Money worries

At Morses Club Loans, we understand that people's circumstances can change. We will always offer you support if you're experiencing financial difficulties.

We care about our customers. If you are worried about how your situation may affect an existing loan, please contact us.

What Morses Club can do to help?

We understand that your income or expenditure may change and that this can affect your ability to make your loan repayments. Morses Club will work with you to agree an alternative solution that aims to reduce some of the worry you might be facing.

Morses Club don't charge any late or missed payment fees. We will always work with you to give you some extra breathing space on your repayments if you need it.

If you think you're going to struggle to make your repayments, we'll be happy to help. Please contact your local representative or our friendly customer service team who will support you to make your payments more manageable. They can also put you in touch with PayPlan - one of the UK’s leading free debt advice providers.

Morses Club and PayPlan: working together to help you

PayPlan’s free, confidential advice service is available to anyone worried about money.

They can;

  • Help reduce the amount you’re paying towards your debts each month.
  • Deal with creditors on your behalf.
  • Provide you with a personal action plan, that will help regain control of your finances.
  • Give you money saving advice and a free benefits check.

Our customer service team can transfer you through to PayPlan.

You can also access their support online or over the phone.

You can reach PayPlan on 0800 280 2816, Monday to Friday 8am – 8pm, and Saturday 9am – 3pm.

Don't ignore the problem

Don't keep putting the problem off. The sooner you act, the sooner you can regain control of your money. If you're struggling to know where to start, National Debtline have put together this guide on how you can deal with debt.

Where can you get independent financial advice?

If you are feeling overwhelmed by outstanding debts, you can seek free and impartial advice – there are several organisations out there who can help you;


PayPlan’s free, confidential advice service is available to anyone worried about money. PayPlan can be reached on 0800 280 2816, Monday to Friday 8am – 8pm, and Saturday 9am – 3pm or visit


Set up by the government to provide advice and guidance, along with tools and calculators to help people with a wide range of financial solutions. Phone 0800 138 7777 to speak to a Money Adviser or visit

National Debtline

They offer free guidance and budget planners. Phone 0808 808 4000 or visit for debt advice and information.

Citizens Advice

You can speak to them in person in or on the phone. Visit your local Citizens Advice (address in the phone book) or go to


Member centres offer debt advice, including specialist advice for minority communities and people with disabilities. Visit or phone 0300 777 0107 to speak with them.

StepChange Debt Charity

The UK's leading debt charity. They offer a free online and phone-based service to help people overcome their debt problems. Phone 0800 138 1111 to speak with somebody or visit

Money Advice Scotland

If you live in Scotland, phone 0141 572 0237 or visit to find debt advice in your local area.

Citizens Advice Northern Ireland

If you live in Northern Ireland, phone 0800 028 1881, email [email protected] or visit for debt advice.

If you still have questions, our FAQ page may help.

Benefit Entitlement

To help support with the cost of living, it’s a good idea to regularly check what help may be available to you through benefits. Circumstances change, and even though you may have previously not qualified, you may now. You may also be entitled to certain benefits even if you work, own a home or have a savings account. Use our free benefits calculator below to find out what benefits you may be entitled to claim.