Dealing with difficult times
Sometimes we have to deal with unexpected and difficult situations, such as serious illness, unemployment, relationship breakdowns or dealing with the death of a loved one. It can be challenging managing finances at the best of times, but it becomes harder when you or a loved one experiences a major life event that leaves you vulnerable.
Our Specialist Support Team are here to help, and you can call us on 0800 612 9982.
Bereavement
We understand that losing someone close to you can be overwhelming and we are committed to dealing with such matters compassionately. If you’re the Personal Representative of a Nemo customer, you can call us on 0800 612 9982 to notify us of their death or by writing to:
Principality Building Society
Principality Buildings
PO Box 89
Queen Street
Cardiff
CF10 1UA
We Will Need
- An official copy of the death certificate
- The name and address of the executor or administrator
Financial Difficulty
We understand managing your finances can be difficult. If you’re facing financial hardship, please let us know so we can support you.
To ensure we can offer you the right support, we need to understand your current financial situation and so require all customers to complete a Budget Planner online first.
It’s really important customers complete the Budget Planner as this will help us to assess your situation and tailor support to suit your needs.
Once you have completed your Budget Planner, it is emailed to us and a member of the team will be in contact with you within five working days to discuss your options, based on your individual needs. Please be aware that further support may need to be reported to credit reference agencies and may adversely affect your credit rating.
If you need immediate assistance and your payment is due within the next 5 days, please call us on 0800 612 9982.
Our priority remains the wellbeing of our customers and colleagues and we want to be as flexible as we can be in helping everyone through challenging times. As Nemo Personal Finance is a valued subsidiary of the Principality Building Society Group, you can also visit Principality’s customer support hub for more information.
Mental Health
We can sometimes experience problems which make day-to-day life more difficult, and this may be related to mental health issues or losing mental capacity. When you are coping with any kind of mental health problem, being in debt can make you feel worse, so it’s important that you get as much support as possible. If you’re facing difficulties paying your mortgage, please don’t wait until it’s too late - call us and we will work with you to sort things out, including putting practical arrangements in place that will prevent matters getting worse.
Our Specialist Support Team are here to help, and you can call us on 0800 612 9982.
Illness
Not only can being ill knock you off your feet, it can make managing your day-to-day finances a bit of a struggle too, especially if you’re unable to work as a result. We want to help you ensure that the important things are being taken care of without taking up too much of your time or energy.
Our Specialist Support Team are here to help, and you can call us in confidence on 0800 612 9982.
If you need somebody to speak to us on your behalf
If you are finding it difficult to manage your finances and speak to your creditors, you may want to ask a trusted relative or friend to do so on your behalf. They can call us on 0800 612 9982 and we can start the process that will enable them to speak to us on your behalf.
If you feel that you have nobody to turn to, you could consider asking a Debt Charity such as Stepchange (0800 138 1111) or Citizens Advice Bureau on 03444 111 444 (England), 03444 77 20 20 (Wales) to act for you.