Money Matters
Asim – injury resulting in time off work
Asim's story
Asim was unfortunately injured at work, leaving him with nerve damage. This resulted in a significant period of unemployment and reduced income. Due to this, Asim was behind on most of his bills resulting in his debt piling up.
How Bumper helped
Asim had been struggling for some time to make his repayments towards Bumper, after receiving a voicemail from Bumper he felt comfortable contacting the support team to discuss his situation.
Bumper was able to help Asim continue to make repayments towards his agreement. This resulted in setting up a temporary repayment arrangement. This meant Asim could still make a small contribution to his agreement each month whilst seeking financial advice.
The support team referred Asim to a debt management company, StepChange.
A few days later, Asim contacted Bumper to provide a StepChange reference number.
After receiving the reference number, the support team made the required adjustments to Asim’s application preventing any further communication until StepChange made contact.
StepChange contacted Bumper and confirmed Asim had entered into a debt management plan.
The support team now liaise directly with StepChange when collecting Asim’s repayments.
NEED SOME HELP OR ADVICE?
Our support team are here to listen, understand and advise you on how to seek help to manage your finances.
Speak to our friendly support team on the phone, via live chat or by email.
Other ways you can get help with your money worries
stepchange.org - the UK’s largest provider of free independent debt advice and managed solutions
nationaldebtline.org - offering free and independent debt advice over the phone and online
themoneycharity.org.uk - working to empower people across the UK to develop the skills and behaviours to make the most of their money
entitledto.co.uk - a free, online benefits calculator, that helps individuals calculate and understand the benefits they are entitled to
Or contact citizensadvice.org.uk for a full list of local financial advisors and debt counsellors
Questions?
What can my PayLater be used for?
Bumper can be used to split the cost of car repairs, servicing, MOT, warranties, and accessories. Ultimately, it is down to the retailer what Bumper can be used for so please always check with them first.
What if I am not accepted for a PayLater?
Unfortunately, you will not be able to use Bumper on this occasion. This is due to the credit checks we undertake. Please contact our support team if you have any questions regarding the declined application.
What happens if I can’t make my repayments?
Bumper are here to help if you cannot keep up with your monthly instalments. As soon as you feel the payments are not manageable, please contact our support team straight away. Our support team will aim to come to a mutually agreeable arrangement which is suitable for you.
What is a temporary repayment arrangement?
A temporary repayment arrangement is a reduced repayment for an agreed period. The amount and number of repayments will vary depending on individual circumstances.
What is a new repayment arrangement?
A new repayment arrangement is a repayment plan that has been amended from the original repayment terms.
What affect does a repayment arrangement have on my credit file?
We are obliged to report the status of your PayLater plan to the credit reference agency every month. If you enter a repayment arrangement with Bumper, this will be reported on your credit file due to a change in the original payment terms. Please note, this is not classed as a late payment.
Who do I contact to discuss my PayLater?
You can contact Bumper by the following methods to discuss your loan:
- Phone – 0800 612 0946
- Live Chat – www.bumper.co.uk
- Email – support@bumper.co.uk
How do I contact Bumper?
You can contact Bumper by the following methods to discuss your loan:
- Phone – 0800 612 0946
- Live Chat - www.bumper.co.uk
- Email – support@bumper.co.uk
Can I apply for more than one PayLater?
Yes, subject to the credit checks and, you can have multiple PayLaters out at the same time.
