Voluntary surrender and reduce what you owe us
We know things can feel really tough right now. If you're struggling to make your repayments and no longer want or need the goods you purchased, you're not alone. Many people in your position feel stuck and unsure what to do next. Voluntary surrender of the secured goods is often a kind, straightforward way to ease some of the pressure and start moving forward.
WHY VOLUNTARY SURRENDER CAN HELP YOU
- It gives you back some control
Handing the goods back voluntarily means you can stop worrying about missed payments, mounting extra fees, or the stress of a forced repossession. It’s a proactive choice that shows you’re trying to sort things out responsibly. - Remember, the goods are still secured
Under your loan contract, we hold security over the equipment until the loan is fully paid. Returning them now simply hands back something that was never fully yours to begin with. - It helps reduce what you owe
Once you surrender the goods, we can sell them fairly. The money from the sale goes straight towards your loan balance. This often reduces the total amount you owe faster than trying to keep up with payments, plus the additional fees and interest you’re struggling to pay. - It usually saves you money overall
Voluntary surrender means lower costs for everyone – no expensive forced collection or legal steps. Those savings help keep your final balance smaller. - We will organise the collection – you don’t have to
We will arrange for the goods to be collected and returned to us. All you need to do is securely pack them for safe transit. This removes a big burden from you during a difficult time. - We can work with you on the rest
After the sale, if anything is still owing, we’re here to help. We can talk about a simple, realistic payment plan that fits your current situation. Our aim is to make it manageable so you can move on without ongoing worry.
WHAT TO DO NEXT - IT 'S EASY
Complete our online form below to start the process. Once submitted, we’ll walk you through the simple steps, including a short agreement and collection arrangements. We’ll keep you updated on the sale and any remaining balance.
You don’t have to figure this out alone. Reaching out early often leads to the best outcome. We’re ready to listen and support you with care and respect.
IMPORTANT
Voluntary surrender helps reduce your debt, but you may still owe some money afterwards. We encourage you to get free, independent advice from a financial counsellor if you need extra support. We’re here to help you through this.