Do you have a disability, physical or mental health condition, or just need extra support because your circumstances have changed? We’ve a range of ways to help you! At Creation, we have a team of dedicated colleagues who will work with you to assess your situation and offer the tailored support you may need.
If you need any support to manage your account, for example communications in Braille or Large Print, you can tell us by completing a Self-Declaration form.
Our team can also help you if you’re facing money worries, using the contact information below. You can also find free, impartial advice on how to manage your finances from the organisations and charities listed below.
We know how important it is for you to stay in control of your finances and your credit file. If you’re able to afford to make your monthly repayments this will help you stay in control.
If you’re facing financial difficulties or are facing a long term change in circumstances speak to our dedicated financial difficulties team.
If you’re struggling with your payments for your loan or finance agreement please call and speak to our dedicated customer support team.
If you’re struggling with your payments for your credit or store card please call and speak to our dedicated customer support team.
A Financial Statement, also known as an Income and Expenditure Form, is a document showing a complete overview of your monthly incomings and outgoings. This can be used to demonstrate your financial situation to creditors, such as ourselves.
When you complete a Financial Statement, you’ll need your financial details to hand such as bank statements, payslips, utility bills and any details for other expenditure you may have.
If you’ve already been in touch with a Debt Management Company such as PayPlan or StepChange, and given them your Creation account information, they’ll contact us on your behalf.
There are three ways you can complete and send us a Financial Statement
Once we’ve received your Financial Statement and assessed how we can help, we’ll contact you by email or phone within 5 working days. This may include agreeing a repayment plan with you, based on your Financial Statement.
Before deciding on whether you want to request a repayment plan, you might want to visit one of the not-for-profit organisations listed below for further information.
We work with PayPlan who can offer you free impartial and confidential debt advice. PayPlan provide solutions for people who have multiple debts.
Debt Advice Provider of the Year, The National Credit Awards 2023.
Read about Maggie’s journey and how PayPlan supported her getting back on her feet.
Prioritise and/or consolidate your debts to make your repayments more affordable
Use free budgeting tools available online, for example at moneyhelper.org.uk
Check your insurance to make sure you get the best price and cover for your money
Contact one of the organisations below who offer free and confidential support and advice
Shop wisely and make savings by potentially cutting back on non-essentials
Previously known as ‘The Money Advice Service’ Money Helper can give you free impartial advice and help for all your money.
Citizens advice is an independent organisation specialising in confidential information and advice to assist people with legal, debt, consumer, housing and other problems in the UK.
The National Debtline is a debt advice charity run by the Money Advice Trust. They offer free confidential debt advice for people in England, Wales and Scotland.
Money Advice Trust is a national charity, helping people across the UK tackle their debts and manage their money with confidence. Offering free debt advice to individuals, self employed and small businesses.
Stepchange offer free advice that is based on a comprehensive assessment of your situation.
Citizens Advice Scotland is an independent organisation specialising in confidential information and advice to assist people with legal, debt, consumer, housing and other problems.
Turn2us is a national charity providing practical help to people who are struggling financially. Use the Benefits Calculator or Grants Search to find out what help you can get.
Money Advice Scotland is Scotland’s money charity. They exist to help people in debt, support money advisers and influence policy.
Mind provide advice and support to empower anyone experiencing a mental health problem.
Entitledto want to make sure everyone who is entitled to benefits is empowered to claim them.
Age UK are experts in the issues affecting older people. Whether it’s providing information and advice or being a friendly voice on the other end of the phone.
Samaritans are there, day or night, for anyone who’s struggling to cope, who needs someone to listen without judgement or pressure.
