This service is available to existing Clydesdale Bank, Yorkshire Bank, B credit card, Virgin Money and Virgin Atlantic customers who have taken a payment holiday as a result of coronavirus.
We'll write to you around four weeks before your payment holiday ends to confirm when your next payment is due.
Before your payment holiday ends, please complete our online form. We will use the information you provide to make sure we're giving you enough support to manage your account.
Even if you can afford to resume making at least your minimum payments, it's still important that you tell us, as this will mean we won't attempt to follow up with you again later.
Our Contact Centres are extremely busy at the moment, so providing this information online is the fastest way for us to help you if you need further support.
You may now be able to make at least your minimum payments again - if so, that's great. We still need you to complete our online form though so we can make sure these details are up to date.
If you can't make at least your minimum payments, completing our online form gives us the information we need. Once you've done that, we can review your account and help you find the best way forward. You can also contact us to talk about your situation if you need to.
Have a Direct Debit? Here's what you need to do:
If you’re able to make payments again, we don’t need much information - it’s quick and easy. If you can’t make the payments, we'll need some more details and it will take a little longer. We'll ask for some personal details and account information and it'll be helpful to have your statement to hand.
Remember, even if you can make your payments from now on, we still need you to complete our online form.
Have your statement to hand so you can see your last minimum payment amount. You can access your statement in our mobile app.
If you can't make at least your minimum payments at the moment, we'll ask you for the following information. Please make sure you have it handy.
If you're worried you can't make payments, please complete our online form. This is the best way to let us know if you need any further help.
You won’t be charged any default fees for one month after your payment holiday ends. But please be aware that any late or missed payments could affect your credit file. We’ll still charge fees for other things like balance transfers, money transfers and any annual card fee.
Yes - this will tell us if you can continue to make the payments you've agreed to. It will also let us know if you need extra support.
The way we calculate your minimum payment will be the same as it was before your payment holiday, unless you’ve agreed to increase your minimum payments to pay off your balance quicker.
Your new minimum payments may seem higher because you’ve been charged interest - which has been added to your balance - or you’ve continued to spend on your card.
Payment holidays don’t affect your credit file. But please be aware that any late or missed payments after your payment holiday ends could affect your credit file.
Please note, you will be taken to the Virgin Money website to complete the next step.Find out more about your next steps