Where a direct debit payment is returned as unpaid, we will contact you to make arrangements to collect the payment. We will consider other methods of payment, such as debit or credit card, however additional charges may apply. A charge may be levied for unpaid DD in line with the schedule of charges. If payment arrears persist, we will endeavour to make contact to understand your circumstances and find a suitable solution. If no action is taken on your side however, we may have no choice other than to instruct our solicitors to deal with any claims. In worst case, you may be at risk of diluting or losing the share of your home.