With the best intentions in the world, sometimes people fall behind on repayments. At Zopa we pride ourselves on giving people the support they need to get back on track.

If you find yourself in financial difficulties, the most important thing you can do is talk to us. We'll work with you to find a way forward, for example we might work out a temporary reduced repayment plan.

Call us on 020 3770 5960 Monday to Thursday 9am to 6.30pm and Friday 9am to 5pm, or email repayments@zopa.com.

There are also some amazing organisations that can help you by providing free, impartial, confidential debt advice.

If you continue to miss payments and don't tell us why it could affect your credit rating. We might have to try and recover the full amount, or involve a debt collection agency.

In an ideal world, we wouldn't do any of that though. We'd have an honest and open chat and work out a way forward that's good for you, us and the investors that funded your loan. So remember, if you're struggling to pay, don't suffer in silence. It's good to talk.

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