Sorry to hear you're having a problem! We'll try and help you with that.

First of all, it's worth looking through these FAQs to see if we've answered your question already. If it isn't, you can contact us by info@drafty.co.uk or 0203 695 8072^#. Our customer services team are around from 9 am to 6 pm Monday to Friday and 9 am to 1 pm on Saturdays.

If you're having problems repaying your credit line (or if you won't be able to make a repayment on time), please contact us immediately. We'll work with you to set up an alternative payment plan that works for you. If you don't contact us, we'll assume everything's fine and keep trying to take repayments automatically, which could cause you further issues. We'd rather try and help.

If you're having serious financial problems, there are some not-for-profit organisations that may be able to help advise you or direct you to advice. The The Financial Conduct Authority recommends the following:

Money Advice Service

For free, unbiased and easy-to-access money tools, information and advice, visit www.moneyadviceservice.org.uk or phone 0300 500 5000^# to speak to a Money Adviser.

Money Advice Scotland

If you live in Scotland, phone 0141 572 0237^# or visit www.moneyadvicescotland.org.uk to find contact details for debt advice in your local area.

Advice NI - Debt Action NI service

If you live in Northern Ireland, phone 0800 917 4607^#, email debt@adviceni.net or visit www.debtaction-ni.net for debt advice.

AdviceUK

Member centres offer debt advice including specialist advice for minority communities and people with disabilities - visit www.adviceuk.org.uk or phone 0300 777 0107^#.

Christians Against Poverty (CAP)

For free debt advice in your home, check post code coverage at www.capuk.org then call 0800 328 0006^#.

Citizens Advice

For advice and information on debt and other topics, visit your local Citizens Advice Bureau (address in the phone book) or go to www.adviceguide.org.uk.

National Debtline

If you live in England, Wales or Scotland phone 0808 808 4000^# or visit www.nationaldebtline.org for debt advice and information.

StepChange Debt Charity

For debt advice throughout the UK phone 0800 138 1111^# or visit www.stepchange.org.