Money worries?
If you're finding it hard to keep up with payments — or think you might soon — please tell us as early as you can. We're here to help, not to judge.
Our commitment to you
Life doesn't always go to plan. Illness, a change in work, a relationship breakdown or rising living costs can all put pressure on your finances — and if that happens, the worst thing to do is worry in silence. The earlier you talk to us, the more options we're likely to have to help you.
When you get in touch, we will:
- Listen first. A real person will take the time to understand your situation — there's no script and no judgment.
- Treat you fairly and with respect. We're committed to supporting customers in financial difficulty, in line with our obligations as a lender regulated by the Financial Conduct Authority.
- Look for a way forward together. Depending on your circumstances, that might mean agreeing a temporary payment arrangement or restructuring your loan. We'll always explain your options clearly, including how each one would affect your loan and your credit file.
- Give you time and space. If you're getting debt advice, we can pause and give you breathing room while you do.
- Signpost free, independent help. We'll point you to organisations that offer free debt advice, like the ones listed below.
Simply talking to us about money worries won't affect your credit score, and it doesn't commit you to anything. If you do miss payments, they may be reported to credit reference agencies and can affect your credit file — which is exactly why an early conversation is so valuable.
How to reach us
Whichever way suits you best — a phone call is often the quickest way to put your mind at ease.
Telephone
Letter
Salt Money Ltd, Customer Support,
36 Nightingale Road, Godalming,
Surrey, GU7 3AG
Free, independent money and debt advice
You don't have to work things out alone, and you never need to pay for debt advice. These organisations offer free, confidential and impartial help:
- MoneyHelper — free, government-backed guidance on money, budgeting and debt, online or on 0800 138 7777.
- StepChange Debt Charity — the UK's leading debt charity, offering free debt advice and managed solutions, on 0800 138 1111.
- National Debtline — free, independent debt advice by phone and online, on 0808 808 4000.
- Citizens Advice — free advice on debt, benefits, housing and more, online, by phone or face to face.
- Breathing Space — a government scheme that can give you up to 60 days' respite from interest, fees and enforcement while you get debt advice.
- Mental Health & Money Advice — support for people experiencing mental health and money problems together.
- Samaritans — if things feel overwhelming, you can talk to someone any time, day or night, on 116 123.
The important bit, honestly
Your loan is secured on your boat, so if payments are missed and we can't find a way forward together, your boat could ultimately be repossessed — but that is always a last resort, and it's far less likely the earlier you talk to us. Missed payments can also incur charges and affect your credit file. One phone call is all it takes to start sorting things out: 0333 090 2368.
