A repayment plan that follows your month.

Put the dates beside your income

Use the schedule in your agreement, not a date assumed from a calculator. Note when your income clears and when essential bills are due. If the timing does not work, raise it with the creditor before accepting the agreement.

Keep a reminder before the due date so you have time to check the balance and address a problem. The reminder does not change the contractual date.

Keep a simple payment record

Save the agreement, statements and payment confirmations. Use the correct reference for any approved manual payment. If a collection fails or you are unsure a payment was allocated, contact the creditor before sending the amount again.

Do not rely on a screenshot from an unknown agent as evidence that a payment instruction is legitimate.

If the plan stops fitting

Contact the creditor as soon as you know a payment may be difficult. Explain what changed and what you can afford, and ask about available arrangements. Keep the response in writing. A request for support is not itself a change to the agreement.

If you can settle early, request a current dated settlement quote. When the final payment is confirmed, ask for a paid-up letter.

A checklist for each payment

Keep a record on paper or in a place you control. This website does not save a personal repayment log.

• Before the due date: check the agreed amount, date and verified payment channel.
• After a payment: retain the bank reference and date, and compare them with the creditor’s record when available.
• If records differ: ask the creditor to check the allocation before assuming another payment is needed.
• If you cannot pay: contact the creditor early and keep any agreed arrangement in writing.

Our repayment help covers references and missing payments. For a changing budget, follow the payment-difficulties steps. To finish an agreement, request a dated figure using the early-settlement checklist, rather than treating a planning estimate as today’s balance.