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Coronavirus: Freestyle payment holiday


If you’re worried about the monthly repayments on your Freestyle device credit agreement as a result of coronavirus (COVID-19), we’re here to help.

If you have a credit agreement with Virgin Media Mobile Finance, you may be able to apply for a payment holiday to help you through this difficult time.

Our FAQs below may help answer any questions you have so take a quick look. The quickest and easiest way for you to apply is to use the form provided.

When completing our form, please try to be as accurate as possible. We may need to contact you, so please provide the best number that we can contact you on.

Please let us know why you’re applying for a payment holiday.

If your income has been permanently impacted (i.e. this will likely extend past the next 3 months), then please select that option.

If you've had a temporary change to your income (i.e. your ability to maintain payments will return to normal after 3 months) then please select that option.


By ticking this box, you are confirming that you are suffering from financial hardship as a result of the coronavirus, and that you wish to apply for a payment holiday.

You agree to your loan end date will be revised, but this does not change your contract with Virgin Media Mobile Finance.


A payment holiday is a break from having to pay your monthly loan installments for up to three months.

You must be the account holder who took out the credit agreement.

Any account holder can apply for a payment holiday but it is not the only solution we can offer you. Once you have applied, we will work to identify the most suitable solution based on your situation. For example, you might need more support if you have had a permanent change to your circumstances or if you're in arrears.

No, we don’t charge interest or charge late payment charges on our credit agreements.

If you pay by Direct Debit, it will not call for any payments until the payment holiday has ended. We’ll update your agreement automatically, so you don’t need to cancel these payments or your Direct Debit instruction.

We will make sure that the payment holiday doesn't have a negative impact on your credit file.

At the end of the payment holiday, your account will go back to your normal monthly installment payments and your loan completion date will be later in the year, the length of which depending on the number of months you have deferred your payment by. 

You can still request a payment holiday. If we accept your request, your missed repayment will count as one of your three deferred repayments.

If you’ve missed more than one repayment, we’ll review your request and contact you either to confirm this has been accepted or to discuss options that may be more suitable for you, depending on your circumstances.

Once we have received your form we'll aim to come back to you in the next 48 working hours to confirm in writing that your application has been successful and when your payment holiday will begin, if applicable. Due to high volumes of applications at this time, it might take us slightly longer than usual. Rest assured we have your application and you’ll hear from us soon.

Your payment holiday request will be submitted for review and we will be in touch to let you know the outcome in the next 48 hours. If accepted, your loan end date will be revised, but this does not change your contract with Virgin Media Mobile Finance.

If you have more than one credit agreement, you’ll need to submit a new form for each one.

If you’d like help keeping on top of your finances in general, there are loads of not-for-profit organisations that can help you with free, confidential and independent financial advice

Money Advice Service

For unbiased and easy-to-access money tools, information and advice visit

Money Advice Scotland

If you live in Scotland, visit to find contact details for debt advice in your local area

Citizens Advice

For advice and information on debt and other topics, visit your local Citizens Advice (address in the phone book) or go to


Member centres offer debt advice including specialist advice for minority communities and people with disabilities – just visit

National Debtline

If you live in England, Wales or Scotland visit for debt advice and information

StepChange Debt Charity

For debt advice throughout the UK visit

Christians Against Poverty (CAP)

For debt advice within your home, to check postcode coverage visit