Contact your lender immediately to discuss your situation 
All our lenders operate responsible lending policies, so will try to work with borrowers who are experiencing difficulties:
• They may ask you to provide further information to them to assess your situation.
• This is to make sure a sustainable repayment solution is created that is affordable for you.
• Your lender may be able to extend your scheduled repayment date or freeze your balance depending on your personal circumstances.
• The sooner you contact your lender, often the more that they can do to help you.
Note that missed payments will affect your credit file.