Divorce and separation

If you have joint accounts, you’ll need to contact the relevant provider to make them aware of your situation. The impact of separation on joint accounts can differ between organisations, so make sure you contact each provider.

Many services allow you to remove additional products that your partner may have used. This can include things like an additional credit card or a mobile phone on your account. Talk to your providers to find out if you can remove, transfer or limit services from your account. This will help you keep control.

If you have a mortgage or tenancy agreement in joint names, you will both remain equally responsible for meeting monthly payments. If you and your ex-partner can’t agree on what to do or if you can’t afford to keep making payments then contact your mortgage provider or landlord as soon as possible.

A relationship breakdown may have an impact on any benefits you receive. Citizens Advice can help you find out what might change, and our benefits calculator can help you check you are receiving the correct amount of benefits. You should also update the Department for Work and Pensions as soon as possible, to let them know about any changes.

Your local council can help as you may qualify for things like single person discount on your council tax.

If you have children then the Child Maintenance Service may be able to help you come to an agreement for paying for your child’s living costs.

If your income or expenditure has been affected and your current payment plan is no longer affordable, then you can change your payment plan online. Our payment plans are flexible, and we will agree a plan that suits your current situation.

If your account with Lowell is a joint account, we can give you information to help you manage that account. We can also make sure that any accounts you have are kept up to date with contact details and remove permissions if your ex-partner was authorised to talk to us about your account.

It can be harder to manage your money if you have a reduced income and/or additional costs. We can give you time so you don't need to worry about contact from us or making payments until you're ready. You must contact us before we can put a hold in place on your account.

If you're finding it difficult to manage your account we can authorise someone you know to help you. They can be the point of contact to discuss your account.

If you want to find out more about how we can help you can contact us.

Information is available on divorce if you live in the UK, including how to divide your money.

UK Government website

They can help to put you in control with impartial guidance and trusted support.

MoneyHelper website

UK's largest provider of relationship support.

Relate website

Provider of free debt advice on how to deal with money when going through a separation.

StepChange website

Helpline available 24/7 for anyone who needs it, no matter what the situation.

Samaritans website