If your finances have been directly impacted as a result of Coronavirus, a payment freeze could be a temporary short-term option for you. Please carefully consider the information below.

Who can make a request for a payment freeze?

You can submit a request if you’ve got a Littlewoods credit account and you’ve been directly or indirectly impacted by Covid-19 and your ability to make at least your minimum payment has been temporarily affected, or you’re expecting it to be – for example, you’ve lost your job or you’re having to work less hours.

If this doesn’t currently apply to you, please don’t make a request now. You’ll be able to make a request up until 31st October 2020 if your circumstances change.

What is a payment freeze?

A payment freeze has been introduced to help customers directly impacted by COVID-19. The freeze means you will not be required to make a minimum payment for 3 months. Further information about a temporary 3 month payment freeze can be found by logging into My Account (not currently available in the Littlewoods app) and follow the instructions at the top of the page.

What if I’ve already missed a payment?

You can still request a payment freeze using our online form. We’ll review your request and contact you to confirm if it’s been accepted.

If you’ve missed more than one payment, there may be other options that are more suitable for you depending on your circumstances, in which case we’ll need to discuss alternative options.

If you’ve already contacted us and an alternative solution or payment arrangement has been set up, this will remain in place while we process your request for a payment freeze. If your request is accepted, we’ll take care of this and update the solution or payment arrangement without you needing to contact us.

Will I still be charged interest?

It is important to note that for any purchases made on interest bearing terms, interest will continue to be charged during the payment freeze at your standard rate of interest. This means that it may cost you more and take longer to repay your balance.

You can still make a payment(s) at any time if you want to, this will reduce the amount of interest charged to your account and we would encourage you to do this where you can.

Can I make a payment?

You can still make a payment(s) at any time if you want to and we would encourage you to do this where you can.

Can I continue to shop?

Please be aware that if you request a second payment freeze which is approved, you may not be able to place any more orders on your credit account during the payment freeze period.

Will a payment freeze impact my credit file?

A payment freeze will not impact your credit file directly. However, you should be aware that although a worsening status will not be reported to your credit file in respect of the payment freeze, lenders may take into account other information when making future lending decisions, including, for example, information provided by you or in relation to your bank account.

Will I get charged any fees for not making payments?

You will not be charged any fees as a result of not making any payments in the payment freeze period.

When will my payment freeze end?

The payment freeze will be for 3 payments and we will inform you when it starts. We will also get in touch to let you know when your payment freeze is due to end. Your payment requests will restart automatically at the end of the freeze.

What do I need to do with my Direct Debit during my payment freeze?

We will suspend your Direct Debit requests during this time, no payments will be taken. this includes requests for your full balance. If however, you have a payment due to be paid by Direct Debit in the next 3 working days we may need to start the 3-month payment freeze period from the following month. If the amount can’t be collected from your bank account, we will include this missed payment as part of the 3 month payment freeze period.

Will I still receive my statements?

Yes you will continue to receive your monthly statements however if a minimum payment is requested you do not need to pay this amount during the temporary 3 month payment freeze period and we will correct your account accordingly.

What will happen to my credit limit during the payment freeze?

Your credit limit will not be increased for the duration of the payment freeze period.

How do I request a payment freeze?

If your finances have been directly impacted as a result of Coronavirus, a payment freeze could be a temporary short-term option for you. If you have considered all of the information and feel this is the right option for you, please visit My Account (not currently available in the Littlewoods app) and follow the instructions at the top of the page.