Need help with missed or upcoming payments? Support starts here.
Your options and how to get help.
What to do if you have missed payments
If you have not already done so, please contact us as soon as you can. We know customers sometimes suffer a loss of income or have significant unexpected expenses. We also know that bereavement, relationship breakdown or other life events can make it difficult to manage your finances. Our account managers are trained to help you assess the situation, minimise any adverse consequences, and find a way forward that works for you.
We are committed to acting in good faith. We aim to provide you with clear information and practical options so you can minimise any adverse impact and stress.
If you are now able
to make a payment
If you missed a single payment for a one-off reason and you are now able to pay then please visit
or give us a call to make a card payment. We only report to credit reference agencies on a monthly basis so there may still be time to prevent even a single miss being recorded.
Meridian Investment Inc Support Suite
We know that life doesn’t always go to plan. If you’re struggling to make payments, we have a range of support plans – designed to help you take back control in a way that suits your situation.
Each option comes with benefits and can help protect your credit file, reduce pressure and support your financial recovery.
From short-term help, to longer term plans, our support options are tailored to fit different needs – whether you just need a couple of months to catch up or something more structured to get back on track.
Missed a payment? This option lets you move it to the end of your loan.
If you’ve missed a payment but your finances are otherwise stable — and you can afford your usual monthly amount again — Meridian Investment Inc Resolve could be the right fit.
How does this affect my loan?
- You return to your normal monthly payment
- The missed payment is deferred — it’s moved to the end of your loan term, not paid now
- Once you’ve made your next payment, your account will show as up to date again
Why customers choose Meridian Investment Inc Resolve
- No need to catch up the missed payment straight away
- Helps you avoid falling further behind
- Keeps things simple — just return to your regular monthly amount
- Can support your credit file and move your account back to good standing
Short-term breathing space for one-off challenges.
If you’ve had a one-off issue — like a surprise bill or short delay in income — this option gives you a bit of room to recover.
How does this affect my loan?
- You make a lower payment for 1 or 2 months
- After that, you return to your usual payment
- Any missed payments are moved to the end of your loan
Why customers choose Meridian Investment Inc Bridge
- Helps avoid falling further behind
- Gives peace of mind while you sort things out
- Helps bring your account back up to date without paying the arrears upfront
Gradually increasing payments to help you get back on track.
This is a good fit if you’re recovering but not ready to return to your full payment just yet.
How does this affect my loan?
- Payments start lower and increase over 2–4 months
- Then you return to your usual payment
- Arrears are moved to the end of your loan
Why customers choose Meridian Investment Inc Step
- Makes it easier to manage the transition back to normal payments
- Keeps your credit file moving in the right direction
- Gives structure and support during a recovery period
Longer-term support when you can pay a good proportion of your usual amount.
If your income has dropped but you can still afford a meaningful payment (over 40% of your usual amount), this option gives you long-term structure and credit rehabilitation.
How does this affect my loan?
- Your monthly payment is reduced to a more affordable amount
- Your loan is extended so you’re not paying more overall
- After 12 months of consistent payments, your credit file will show your account as ‘up to date’
Why customers choose Meridian Investment Inc Pathway
- Helps rebuild your credit score
- Stops further arrears letters or collections activity
- Keeps you on track long term
Reduced monthly payments tailored to your budget.
If you’ve had a significant change in your finances, this plan adjusts your payments to between 12% and 40% of your usual amount, making things more manageable.
How does this affect my loan?
- We reduce your monthly payment based on what you can afford
- Your interest rate is adjusted to protect you from paying more overall
- Your credit file will show ‘under arrangement’ for the duration
Why customers choose Meridian Investment Inc Align
- Avoids default as long as the plan is maintained
- Maintains your account status without pressure
- Gives space to recover at your own pace
For when you want to pay something – even if it’s just a little.
If your circumstances mean you can’t afford your full or partial payment but want to stay engaged, this option supports you with compassion.
How does this affect my loan?
- You make a small token payment (as little as £1)
- Interest is frozen, so the balance doesn’t grow unnecessarily
- The account may eventually default, but your intent is recognised
Why customers choose Meridian Investment Inc Pulse
- Shows you’re taking responsibility, even during hardship
- Stops interest adding up while you recover
- Can support access to future debt solutions
Debt Advice
Help is always at hand. Whatever your situation, debt advice can help. Please see our dedicated debt advice page for more information.
If you don’t take action
If you don’t contact us and you don’t ask a debt advisor to get in touch on your behalf then we will continue to try and contact you to collect payments. Additional interest will be added to your account and any further missed payments will be recorded with credit reference agencies.
Eventually, if you continue to miss payments and your account falls into significant arrears, we will put your loan agreement into ‘default’ and this will be recorded on your credit file by credit reference agencies. Most lenders will regard this as a serious event and so it is likely to make it difficult for you to obtain credit in the future. Information about misses and defaults stays on your credit file for 6 years.
At this point, we may ask a third-party debt collector to contact you in order to recover the outstanding debt. If this is unsuccessful, we may initiate court proceedings, which could result in you receiving a County Court Judgement (CCJ).
We may also opt to sell your debt to third party that specialises in buying and recovering defaulted loans.