There are certain situations in which we are unable to offer the service. This extends to anyone that is currently in bankruptcy, has a debt agreement, or has had recent defaults. Our system assesses suitability to make sure everyone uses the product in line with our responsible budgeting guidelines. When you first upload a bill, we’ll check your credit history to make sure we can defer your bills responsibly.
While credit history is an important factor, it’s not the only determinant in our decision - we look at a broad variety of factors to make sure we have a good view of where everyone is at. If you’re currently unable to defer bills with us, we recommend getting back in touch with our Customer Heroes in around 6-12 months. That’s usually enough time for everything to stabilise and when you do get in touch, we can review your account for you!