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Help with Missed or Late Payments

Life happens. Whether you’ve already missed a payment or think you might, we’re here to help. The earlier you reach out, the more we can do.

Tips to Manage Repayments Smartly

Tips to Manage Repayments Smartly

Contact Us

Contact Us

Income & Expenditure Form

We’re On Your Side

Job changes, rising bills, or benefit delays can affect anyone. If you’re struggling, don’t wait — Contact Us – Derbyshire Community Bank Together, we’ll find a solution that works for your situation and keeps your loan repayments on track.

What We Can Help With

You may be able to:

– Change your payment date
– Pause payments in certain situations
– Set up repayment plans 
– Make a catch–up payment by debit card
– Continue saving, even while repaying

Manage Repayments Smartly

Missed a Payment? Here’s what to do

We understand that things don’t always go to plan. If you’ve missed a loan repayment, let us know — we monitor accounts daily, and if you contact us first, we can often resolve things quickly. 

Ways We Can Support You

Depending on your situation, we can help you:

  • Make a quick debit card payment via secure payment link

  • Set up a repayment plan  to fit your budget

  • Switch to direct debit or standing order for easier payments

  • Redirect child benefit to your Derbyshire Community Bank account

  • Enable DWP deductions (if eligible)

  • Review your budget and avoid future arrears

  • Use our Benefits Calculator to check for extra support

  • Submit an Income & Expenditure Form – Complete It Here

Your Loan agreement – What You Agreed to

As part of your loan agreement, you’ve committed to…

  • Inform us of changes to your finances or address

  • Continue to save while repaying your Loan

  • Repay the full balance, including any unpaid interest or recovery costs

  • Allow us to use your savings against your Loan if you fall behind

  • Permit deductions from benefits (via DWP)

 

If you don’t get it touch

If we don’t hear from you and no plan is made, your loan may go into arrears or default. This means:

  • You won’t be able to withdraw savings or apply for another loan

  • We will attempt to contact you via phone, text, email or letter

  • We may apply your savings to your loan balance

If no resolution is made, we may

  • Apply for DWP deductions via the Eligible Loan Deduction Scheme.

  • Seek a county court judgment (CCJ), affecting your credit rating

  • Refer the debt to a recovery agency

  • Request wage deductions

  • Deduct any arrears from your final salary upon leaving our job

How to Contact Us

Let’s fix this together – we’ll always try to help before taking formal steps.

Call us – 01332 348144

Email – Arrears@dcbank.org.uk

Submit a form – [Income & Expenditure Form link]

Let’s Work Together

Please don’t struggle in silence. Whatever’s going on, we’re ready to support you and help you get back on track.

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Head Office

  • Derbyshire Community Bank, CUBO,
  • Victoria Street, DE1 1EQ
Registered office: Derbyshire Community Bank, CUBO, Victoria Street, Derby, DE1 1EQ. Erewash Credit Union Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered number 432447. Registered Company No. IP00730C on the Mutuals Register.
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