I missed a payment - why am I receiving a "legal" notice?

If you miss a repayment, we’ll send you a default notice. That might sound serious, but it’s really just our way of clearly letting you know what’s going on and giving you a chance to sort it out.

Basically, it says:

• a payment was missed

• how much is now overdue

• when it was due

• what you need to do to get your account back on track

We’re required by law to send you this notice, hence why we send two seperate notices to you and we can’t take any next steps unless we do. More importantly, it makes sure you’re not caught off guard or left guessing.

The notice also gives you time to fix the missed payment or get in touch with us. If something’s changed or you’re having a hard time keeping up with repayments, this is your window to talk to us so we can look at options together.

Getting a default notice doesn’t mean your loan is ending or that enforcement is imminent. Think of it as a formal heads-up, not a threat of legal action.

If you’re worried or unsure what to do next, reaching out early really helps — the sooner we talk, the more likely we can keep things simple and stress-free.