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No action is required from Personal Loan customers at this time and we will write to you about your Personal Loans separately in 2023. If you hold a Personal Loan, you will not be asked to repay it early but you will need to ensure that you continue to make the repayments on your loan, in accordance with the terms of your relevant Personal Loan agreement. Failure to do so could have consequences for you, including negatively impacting your credit rating.