{"type":"document","data":{"id":"1b190cde-c3fe-4037-97c3-7d7d779db83d","localeString":"en-GB","publishDate":"2026-04-09T17:18:58.219+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Information about payment issues and how to solve these yourself or with support from ING."},"mainHeaderZone":{"componentType":"productHeader","cta":{"componentType":"cta","textLink":{"url":"https://www.ing.nl/particulier/preventie/cml-coll-preventie?subscrid=cml-coll-preventie","text":"Schedule a call me later"}},"secondaryCta":{"textLink":{"url":"mailto:financialhealthdesk@ing.com","text":"Send an e-mail"}},"coreHeader":{"body":"Sometimes things are financially difficult. We understand that this isn’t easy and that it can happen to anyone. But don’t keep it to yourself for too long. The sooner you tell us about your money worries, the better we can help you.\r\nNo matter how big or small your concerns are: you can always call or e-mail us. We won’t judge we’ll look for a solution together. Free of charge and without any obligation.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/a3a1998a-42ac-4960-8745-1075d5f104b0/Close-up-of-grocery-shopper-counting-money-in-wallet","type":"image","width":4096,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/asset/a3a1998a-42ac-4960-8745-1075d5f104b0/Close-up-of-grocery-shopper-counting-money-in-wallet.jpg","extension":"jpg"},"title":"Payment problems? Here’s what we can do for you"},"backLink":{"textLink":{"url":"/en/personal/money-worries/prevent-money-worries","text":"Money worries"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"What you can expect from us"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span><span lang=\"EN-GB\" dir=\"ltr\"><span>Are you having trouble repaying your ING Credit Card, ING Overdraft, a Personal Loan, a revolving credit facility or your mortgage? Or do you expect that this may become difficult soon? Let us know.</span></span></span></span></span></p><p><span><span><span><span lang=\"EN-GB\" dir=\"ltr\"><span>We will then look together at what you need. From insights and tips, to checking whether you may be missing benefits, or arranging to pay later or in instalments. Whatever we do, you decide the pace and what the next step will be so the solution fits your situation and helps you get more control and peace of mind, step by step.</span></span></span></span></span></p>"}},{"componentType":"productFeatures","image":{"transformBaseUrl":"https://assets.ing.com/transform/8bf6f4df-09ab-4a06-bb04-bea527498888/Call-center-headset-woman-spot","type":"image","width":160,"original":"https://assets.ing.com/m/218fdc52b7523324/original/Call-center-headset-woman-spot.svg","extension":"svg"},"highlighted":false,"items":[{"body":"You don’t have to repeat your story every time. You will always speak with the same representative, so you’ll know exactly what to expect.","title":"You will have one dedicated contact person"},{"body":"We start with your story. You explain what’s going on, and together we look at your financial situation.","title":"We listen to you"},{"body":"Together, we discuss what kind of support can give you more peace of mind. This could be budget coaching, payment arrangement, or gaining insight into your income and expenses.","title":"We explore which solution fits your needs"},{"body":"We agree on the next step. Sometimes we schedule a follow up conversation. You always know what to expect and what you can do yourself.","title":"We make clear agreements"},{"body":"We continue to support you and keep an eye on things together. This prevents you from running into financial problems again.","title":"We offer aftercare"},{"body":"We think along with you, but you decide what to do. Our goal is to help you get more control of your finances.","title":"You stay in control"}]},{"componentType":"testimonial","testimonialList":[{"authorInfo":{"authorName":"Customer","image":{"transformBaseUrl":"https://assets.ing.com/transform/bb8dadaf-06bc-4c2e-b149-4447916b4778/Contact-Chat_Outline","type":"image","width":80,"original":"https://assets.ing.com/m/40cdfb043aa23381/original/Contact-Chat_Outline.svg","extension":"svg"}},"testimonialText":{"body":"Because of unemployment and gambling, I ended up in financial trouble. I only dared to call when wage garnishment was about to happen. And the conversation surprised me: no judgment, but understanding and a solution that suited me. It brought me so much relief! Now I think: I wish I had done this much sooner."}}]},{"componentType":"applicationProcess","steps":{"title":"How to start the conversation","stepList":[{"title":"Schedule an appointment with the Financial Health Desk","body":"You can do this by e-mail: financialhealthdesk@ing.com","textLink":{"url":"https://www.ing.nl/particulier/preventie/cml-coll-preventie?subscrid=cml-coll-preventie","text":"Or schedule a call me later"}},{"title":"Start the conversation","body":"You will have one dedicated contact person who works with you to see what you need"},{"title":"Agree on the next steps","body":"During the conversation, you’ll discuss what the next step will be."}]}}]}}}