We appreciate that your circumstances may change and you may experience temporary financial difficulties. If this is the case, please call us on 01228 01228 595939

It is important if you find yourself in financial difficulties you let us know as soon as possible. We will be sympathetic and positive and we will do all we can to help you overcome your difficulties.

The sooner we discuss your problems, the easier it will be to find a solution. The more you tell us about your full financial circumstances, the more we may be able to help.


Charges may be applied to your account when we are asked to pay an item from your account by Direct Debit, Standing Order, Debit Card or Cheque and when there are insufficient cleared funds in your account to cover the amount of the item. The following tips are provided to help you avoid incurring these types of charges:

Pay in sufficient funds
Ensure that you have paid sufficient cleared funds into your account to cover any direct debit and standing order payments
Make sure you have the funds in your account no later than 3.30pm on the day the payments are due to be made
More than one account?
If you keep funds in more than one account
Transfer these all into the account from which you make your regular payments
Check your statement
Check your statements regularly
Make a note of the dates when your Direct Debit, Standing Order and Internal Transfer payments are due
Check your cheques
Keep a record of any cheques you have written and when they’ve been paid
So you know the amount of available funds in your account
Record your debit card use
Keep a record of any debit card payments made and take these into consideration when checking the available funds in your account
Debit card transactions are not always reflected immediately in the available account balance
Change your funding
Change how your account is funded
For example, changing the method or source of funding and the timing of these.
Change your payment dates
Change Direct Debit, standing order payments and internal transfers so they occur at a better time
For example after you have been paid, or change to an alternative payment method
Contact us
If you are experiencing financial difficulty
Call us on 01228 01228 595939 to discuss the ways we may be able to help


Practical steps you can take to help resolve your debt problems

Be honest with yourself
Acknowledge the problem
Don’t ignore post from people whom you owe money to
Contact us
If you think you might be getting into financial difficulties
Let us know and ask how we can help
Draw up a budget
Make a list of all your debts and prepare a statement of your financial position
Detailing your income and expenditure and how much you owe
Maximise your income
Decide on your priority financial commitments and maximise your income
Cut down on non-essential spending and claim any benefits or tax relief for which you may be eligible
Make us an offer
Check your budget to see what you can afford
If we accept your offer, make sure you stick to it
Review your circumstances
Assess your ongoing financial position regularly
Keep us posted of any changes
Contact a specialist
There are expert money advisers who can give you help
Support and advice is available to help you deal with your circumstances
Contact all creditors
So that they are aware of the situation
A free money advice service should be able to help you agree repayment plans with creditors
Download our full guidance leaflet
More guidance is available

How we can help

Contact us as soon as possible and we will review your situation with you. We will provide you with information about how you can avoid charges being applied to your accounts and sources of free, independent money advice. You will get clear information about the amount you owe and we will develop a plan with you for clearing your debts in a way you can afford. We will also tell you beforehand about any action we may need to take, for example, going to court, and what extra charges you may have to pay if we do so. We can help you keep up to date with day to day payments and your account balance in a number of ways:

Customer service helpline
We aim to make contacting us as simple as possible, but we know a branch isn't always convenient
Based in our Carlisle head office, our customer service team are here to help and answer any questions 7 days a week
At cash machines
You can check your balances and print mini-statements at any Cumberland ATM
You can check your balances at LINK and Visa ATMs
At any branch
We have 34 branches in our operating area
So when you're out and about, a friendly local branch team are nearby to help you 6 days a week
Internet Banking
Just a click away
You can check out the balances of your current account, savings accounts and mortgage, and transactions of your current accounts and some savings accounts in online banking
Mobile banking app
At your fingertips
With Balance Peek, you can quickly check out the balances of your accounts without even logging on to the app. Once logged on, you can view the transactions

Have concerns about your finances?

Call us on 01228 403283


You may want to talk to your family, friends or support agencies who may be able to help. Many people find it helpful to get advice from a specialist debt counsellor (usually called a money adviser). You can get free, independent money advice from any of the following:

Building Societies Association (BSA)
Can't pay your mortgage?
The BSA have published a helpful guide to help those who are struggling to make their mortgage repayments
Government Guidance
Guide to property repossessions
The government provide a useful guide to help those who need to understand more about property repossession

Cumberland Building Society is not responsible for the content of the external internet sites.