Struggling With Credit Card Bills After An Accident?

Tomasz’s story

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:

  • he couldn't make the next repayment on his card
  • he’d borrowed money from a friend but it still wasn’t enough
  • what little money he had went on the electricity bill

How Barclaycard helped

When he rang Barclaycard, Tomasz got through to one of our advisers, Adam.

  • Adam gave Tomasz time to explain things in his own words and wasn’t judgemental or demanding, as Tomasz had feared

  • Together they agreed how to get through the next few months, working out what Tomasz could afford for now and putting a longer term plan in place so he could catch up when he was getting paid again

  • Adam explained what information he needed for this, as well as how it would affect Tomasz's credit score and what could be done to help

  • He checked that Tomasz knew he could access his Barclaycard account online to make debit card payments,  change payment due dates and, when he could afford to, set up a Direct Debit – and that confidential and independent advice was available with StepChange Debt Charity

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.

Does your story sound like Tomasz's?

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’re not here to make it worse – we really are here to help

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.

Please get in touch to find out how we can help

Speak with our support team on:

0800 0511119

Calls to 0800 and 0808 numbers are free from UK landlines. 
Mobile charges may vary.

0330 1595981

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.

Or alternatively...

Contact us online by logging into Barclaycard online account  and sending us a secure message .

Write to us at:
Barclaycard Centre
Norwich way
Kirkby Town Centre
Knowsley
L32 8UY


StepChange logo

Do you owe money elsewhere?

If you're struggling with a few different debts or money worries, StepChange may also be able to help you.

They are the UK's largest provider of genuinely free independent debt advice and managed solutions, helping almost 600,000 people a year resolve problems, repay debts and rebuild lives.

Other ways you can get help


Do you need free help with your money?


Visit The Money Advice Service . They offer support in person, over the phone and online.





Are you receiving all your benefits?


Find out if you're getting all the money you could be entitled to.

Visit entitledto and use their free benefits calculator to understand if financial support is available.


Get local debt help


Contact Citizen's Advice Bureau for a list of debt counsellors in your area.






How close are you to a Debt Problem?

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.

StepChange Debt Charity 60-second debt test

To protect the privacy of our customers, we have used photographs of actors and fictitious names, but they are based on real situations.