Startline is committed to supporting our customers who are struggling to meet repayments, particularly given the recent increases to the cost of living.
If you are having difficulty meeting your financial commitments with Startline, please get in touch. There are various solutions that we can offer, and we will work with you to understand your individual circumstances and arrive at the most appropriate solution, which may include payment deferment, payment reduction or vehicle return options.
Telephone: 0141 483 2270
Telephone: 0141 406 6622
You can also reach us through the contact form within the ‘Manage my Account’ section of this website and a member of our team will respond shortly.
Alternatively, you can register online through our customer portal. Here, you can make a payment, change payment date, change contact details or request a settlement quotation.
For additional independent help and advice; you can contact the following not-for-profit organisations for free, confidential and impartial debt advice, or for details of where to get such advice in your area.
Money Advice Service
For free, unbiased and easy-to-access money tools, information and advice, visit www.moneyadviceservice.org.uk or phone 0800 138 7777 to speak to a Money Adviser.
Money Advice Scotland
If you live in Scotland, phone 0141 572 0237 or visit www.moneyadvicescotland.org.uk to find contact details for debt advice in your local area.
For advice and information on debt and other topics, visit your local Citizens Advice (address in the phone book) or go to www.citizensadvice.org.uk.
Citizens Advice Northern Ireland
If you live in Northern Ireland, phone 0800 028 1881, email firstname.lastname@example.org or visit www.citizensadvice.co.uk for debt advice.
Citizens Advice Wales
If you live in Wales, you can call Adviceline on 0300 330 1313 if you want to speak to someone about your debts. Calls cost 12p per minute from a landline, and from 3p to 45p from a mobile or visit https://www.citizensadvice.org.uk/wales/
Member centres offer debt advice including specialist advice for minority communities and people with disabilities – www.adviceuk.org.uk or phone 0300 777 0107.
Christians Against Poverty (CAP)
For free debt advice in your home, check post code coverage at www.capuk.org then call 0800 328 0006.
If you live in England, Wales or Scotland phone 0808 808 4000 or visit www.nationaldebtline.org for debt advice and information.
StepChange Debt Charity
For debt advice throughout the UK phone 0800 138 1111 or visit www.stepchange.org.
A payment deferral is a concession where we agree a temporary holiday to your monthly contractual payment for a period of time. It is important that you are aware these payments are not being waived and will need to be repaid at a future date, which we will agree with you at the point the deferral is agreed.
A payment reduction is a concession where we agree to reduce your monthly contractual payment for a period of time. It is important that you are aware the payment reduction is not being waived and will need to be repaid at a future date, which we will agree with you at the point the reduction is agreed.
We will consider support for any customers who are facing financial hardship or find themselves in vulnerable situations and we will review each customer on an individual basis to reach a positive outcome.
We must ensure that any agreed payment concession is in your best interest. We will need to understand your current circumstances and, to do so, we will complete an Income and Expenditure assessment. This will be completed with minimal delay using our open banking solution, alternatively we may require you to provide us with bank statements.
We are required to ensure credit file reporting reflects an accurate record of the financial performance of your agreement with Startline. If your account falls into arrears, or a payment deferral / payment reduction is implemented, this information will be shared with the credit referencing agencies and noted on your credit file.
If you are unable to bring your agreement up to date or maintain your monthly instalments and you want to return the vehicle, we can arrange that for you. There are a couple of options available depending on your circumstances.
Please contact us directly if you would like to discuss these options.