We accept payment using any of the below methods:

• Via our website
• Over the phone – please call 020 3910 8700
• Bank transfer – quoting the reference number and bank details given to you in all correspondence
• By cheques addressed to Spring Finance Limited and sent to:

Spring Finance Limited, 3 Theobald Court, Theobald Street, Borehamwood WD6 4RN.

We are required to send you statements at certain intervals throughout the life of your mortgage depending on individual circumstances.

Annual Statement This is issued to you on the 12 months anniversary of your loan with us. The statement includes all payments due and made as well as any charges and third party costs that have been applied to your account during the 12 month period of the statement. It also includes the interest charged during the period as well as a running balance so that you can see how much capital you have repaid during the period of the statement.

Notice of Arrears We are required to send you a Notice of Arrears when you have accumulated payment shortfalls equal or more than two months’ payments. The notice includes details of your arrears, other account information including the charges you may incur and an information sheet that provides details of your rights and where you can get help.

We will send you arrears statements on a monthly/quarterly basis should your account remain in arrears.

If you require any further information regarding the information we provide to you, please do not hesitate to contact us on 020 3910 8700.

We understand that circumstances can change from the time you originally applied for your loan and you may fall into financial difficulties. Please click here for information on how we may be able to help you.

Financial Ombudsman
www.financial-ombudsman.org.uk
The Financial Ombudsman Service adjudicates between borrowers and lenders or intermediaries where there is a dispute

Financial Conduct Authority (FCA)
www.fca.org.uk
The FCA regulate the financial services industry in the UK

Citizens Advice Bureau
www.citizensadvice.org.uk
Citizens Advice Bureau, a National network offering free advice and help, especially on debt problems

Money Helper
www.moneyhelper.org.uk
MoneyHelper is here to make your money and pension choices clearer

NHAS
www.nhas.org.uk
NHAS is delivered by Shelter and provides FREE expert advice