Money Matters

Emma – reduced household income

Emma's story

At the start of one of the most exciting journeys in life – parenthood – Emma found herself needing to cut down her hours at work before maternity leave in order to look after her health. But unfortunate circumstances meant that her husband lost his job at the same time. The household income was reduced and they began to struggle to afford monthly bills, including her Bumper repayments. 

 

How Bumper helped

 

Emma contacted the Bumper support team to explain her situation and to seek further advice.  

 

The support team showed care and consideration as Emma explained her situation.   

 

They set up a temporary repayment arrangement at a lower monthly amount to ensure Emma was able to repay her Bumper loan whilst she contacted StepChange for further financial advice.  

 

Once Emma had spoken to StepChange, the support team asked that she contact them with the StepChange action plan so they could understand if any further support was needed. 

 

Emma contacted Bumper before the temporary repayment arrangement came to an end advising that she had entered a debt management plan with StepChange. 

The support team now liaise directly with StepChange when collecting Emma’s repayments. 

 

Words from Emma: “You guys have honestly been amazing. I’m very grateful for your support as we didn’t think we would be in this position” 

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.

0800 612 0946

Live Chat

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?

  • 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.

  • 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.  

  • 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. 

  • A temporary repayment arrangement is a reduced repayment for an agreed period. The amount and number of repayments will vary depending on individual circumstances. 

  • A new repayment arrangement is a repayment plan that has been amended from the original repayment terms.

  • 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.

  • 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 
  • 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 
  • Yes, subject to the credit checks and, you can have multiple PayLaters out at the same time.

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PayLater is a form of credit provided by Bumper International Limited subject to status. You must be certain you can meet all payments. 18+, UK residents only. No fees, interest, or other charges, however a one-off missed payment fee (£12) may be charged. Missed payments may impact your credit score and your ability to borrow in the future. Recovering missed payments may involve using a debt collection agency, or legal action. Bumper isn’t regulated by the FCA. T&Cs apply.