Help Centre

Your options explained

The easiest way to view your options and set something up is to log in to your Ophelos account using your 6 digit reference code. This will be provided in any of the communications you receive from us.

Regardless of how you resolve your balance, 100% of what you pay goes towards your debt.

🍕 Suggested payment plans

If you need to split your payments into more manageable monthly instalments you will find your suggested plan(s) in the payment plan section of your account.

These plans aim to help you repay your debt within a reasonable amount of time, and are designed to make sure you keep on top of your ongoing monthly payments if you have them.

📥 Submit a payment amount

If the suggested plans don’t work for you then you can submit your own payment offer instead. If you do this it is likely you will need to complete a budget assessment online. This will help you choose a payment which is both manageable and sustainable for you.

When you submit your own amount, the length of your plan could be restricted if your payment would not allow you to resolve your debt within a reasonable amount of time.

However, if you choose to start your plan, your account will be set in this agreement for a fixed length of time. This means you will be given some space to seek further advice and support, or for your situation to improve.

If you need help you can find lots of resources on our help page.

🚀 Pay in full now

If you’re ready to pay in full you can do so directly through your account today.

⏳ Pay in full at a scheduled later time

If you can pay in full but not until later, you can log in to schedule a payment up to 30 days in the future. Once you do this you won’t receive further communications, however, you will be reminded before your payment is taken.

If you need to make any changes to your payment date or amount don’t hesitate to contact us. The easiest way is either through livechat on our website, or by emailing support@ophelos.com.

🤝 Tell us if you’re struggling

If you don’t feel you can pay anything at all please reach out to our team. They will be more than happy to listen, and can help by:

  • pointing you in the direction of relevant support
  • placing your account on hold to give you space
  • sharing any relevant information with your lender to make sure they are aware

You can reach us through livechat, by emailing support@ophelos.com, or calling us on 020 3318 2823. Our agents are available to talk Monday to Friday, 9am to 5pm (excluding bank holidays).

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