In a car accident, Tomasz broke his leg and badly bruised his ribs. As a self-employed courier, he wouldn't be able to work until he’d fully recovered – but that meant no income.
His wife’s wages were covering the mortgage, but with just one income there was no way they’d be able to get the bills paid as well. When Tomasz should have been resting, he was worrying himself sick about money.
Tomasz knew he wouldn’t be able to work for at least three months, during which time he’d miss some payments and would also incur fees and charges. Realising there was nothing he could do, he called Barclaycard to let us know what was going on with his finances. He wanted to tell us:
When he rang Barclaycard, Tomasz got through to one of our advisers, Adam.
Tomasz was pleasantly surprised when Adam understood his situation and gave him realistic options – and not just for his Barclaycard bill, but people to talk to about his other debts.
A sudden injury or accident can cause a lot of pain and anxiety, made worse by the fact you may have to go weeks or even months without an income. Even if you know it’s only temporary, missing payments on bills and affecting your finances can be frustrating and worrying.
We know your debts aren't going to disappear on their own, but we really can help. If you get in touch, we'll ask you about your income and outgoings so you can feel confident you're only repaying what you can really afford. And your priority payments – Council Tax, rent/mortgage repayments and household bills – will always come first.
It's probably the last thing you want to do, but giving us a call won’t make anything worse. We won't spring any surprises on you; our advisers are here to listen, understand and agree a solution with you – not demand payments you can’t afford.
You can rest assured, we’ll ask your permission before we do anything and check how you feel about your other finances.
We'll try to provide you with help that’s clear, practical and easy to understand. Also, we'll advise you where to find free and independent help.
Calls to 0800 and 0808 numbers are free from UK landlines.
Mobile charges may vary.
Calls to 03 numbers use free plan minutes if available – otherwise they cost the same as calls to 01/02 prefix numbers.
The line is free and open 8am – 9pm Monday to Friday, and 9am – 4pm Saturday.
If you're struggling with a few different debts or money worries in general, there are organisations that may be able to help:
To protect the privacy of our customers, we have used photographs of actors and fictitious names, but they are based on real situations.
If you're worried that you need help with your finances then you can try StepChange Debt Charity's 60-second debt test. By answering a few simple questions they'll be able to tell you if you need debt advice.
National Debtline is a third party charity offering free independent advice on how to deal with your debts. For practical advice about your options, chat online with a National Debtline advisor*.
*By clicking this link you’ll leave Barclaycard and be transferred to National Debtline – never reveal your account details, PIN or passwords to third party organisations or advisors.