Money Matters
Meera – struggling with finances and no income
Meera's story
Due to a series of unfortunate events, Meera found herself without an income, with her benefits being stopped out of the blue. Meera began to struggle paying her monthly bills, including making her repayments to Bumper.
How Bumper helped
The Bumper support team got in touch to discuss the difficulties Meera was facing.
Meera offered to pay a small token payment towards her agreement which showed willingness to pay.
The support team set up a temporary repayment arrangement to ensure Meera was able to continue to repay her Bumper agreement, whilst disputing the reason for her benefits having been stopped.
The temporary repayment arrangement came to end, and the support team contacted Meera for an update to which Meera advised that thankfully the benefits had been reinstated.
A new repayment arrangement was then put in place to spread the total outstanding balance.
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.
