How We Support Customers Facing Resilience Challenges Or Financial Vulnerability

At Marsh Finance, we understand that not everyone has a financial safety net. If you're living from payday to payday, struggling to manage unexpected costs, or relying on credit just to get by, you're not alone. You may be experiencing what’s known as a resilience vulnerability.

This type of vulnerability can affect anyone, and it doesn’t mean you’ve done anything wrong. It simply reflects how much pressure you’re under and how hard it can be to bounce back when life throws you a financial curveball.

We’re here to help, without judgment, without jargon, and with real options that put you back in control.

👉 What is a resilience vulnerability?

👉 How it can affect your car finance

👉 How Marsh Finance can support you

👉 You don't need to struggle alone

👉 Help is available

What Is A Resilience Vulnerability?

A resilience vulnerability refers to a reduced ability to cope with financial or emotional shocks. It’s often linked to low income, high levels of debt, or a lack of savings. If any of the below sounds familiar, you may be facing a resilience vulnerability:

• Living month-to-month with little or no leftover income
• Relying on credit cards or loans to cover essentials like food or bills
• No savings or emergency fund to fall back on
• Anxiety about money and a constant feeling of financial stress

It’s more common than you might think, and it can happen to anyone, especially during a cost-of-living crisis.

How It Can Affect Your Car Finance

When you're in a financially vulnerable position, even a small change, like a higher-than-expected bill, reduced hours at work, or an unexpected repair, can push things over the edge. This might lead to:

• Missed payments on your car finance
• Increased reliance on borrowing
• Difficulty engaging with lenders or knowing what to do next

That’s where we come in. At Marsh Finance, we’re committed to treating all customers fairly, especially when you’re facing hardship. If you're struggling to manage your car finance because of financial pressure, we’re here to support you.

How Marsh Finance Can Support You

If you’re worried about falling behind or already have, please talk to us. We’ll never judge; our aim is to work with you, understand what’s going on, and put support in place.

Here’s what that can look like:

💬 A Human Conversation

Our specially trained support team will listen with empathy and understanding. You won’t be rushed or pressured, and everything you share will be treated in confidence.

📉 Affordable Payment Plans

We’ll look at your circumstances and see if we can agree on a reduced payment plan or a temporary breathing space to help you get back on your feet. You can read more about this in our blog on support for struggling customers.

🛠 Help Understanding Your Options

If your situation means your current agreement is no longer sustainable, we can discuss your rights, including options like voluntary termination or voluntary surrender. We’ll explain everything clearly and without pressure.

📱 Flexible Communication

We can adapt how we contact you to suit your needs; whether that’s more time to respond, written updates instead of calls, or dealing with a trusted third party on your behalf.

🔄 Signposting and Support

If your situation is complex, we can refer you to external support, such as free debt advice charities, budgeting tools, or benefits checkers.

You Don’t Need To Struggle Alone

We know that financial stress can feel isolating. But resilience isn’t about how tough you are, it’s about getting the right support when you need it.

We won’t ask you to prove anything, and you don’t need to go into personal detail unless you want to. Just let us know you’re struggling, and we’ll do everything we can to help.

Help Is Available

If your income is stretched, your savings are gone, and money worries keep you up at night, please know that help is available, and that it’s OK to ask.

At Marsh Finance, we treat every customer with respect, fairness, and care. Financial vulnerability isn’t a weakness. It’s a situation, and we can help you navigate it.

Need help? Talk to our customer support team today.
The earlier you let us know, the more options we can offer.