When Ray first started betting, his gambling was enjoyable and he felt the winning streak would last forever.
But after a few big wins, his luck ran out. He started chasing winners and increasing his bets to cover what he’d lost. He started to lose interest in spending time with his friends and family, and even took days off work so he could gamble more.
When Ray started missing bill payments and incurring fees, there was less money for his family each month. This started to place even more of a strain on Ray’s home life and he felt guilty about the impact his gambling was having.
Realising something had to change, Ray got in touch with a local gambling addiction charity for help. Part of their advice was to find out what tools and support Ray’s bank may be able to offer.
When he rang us, Ray got through to one of our support team, Alison.
Ray knew he had to make the call, but he was worried about the consequences of having to tell Barclaycard about his gambling problem. But after speaking to Alison, he was relieved and felt able to focus on recovering from his addiction.
You're not alone - we're 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.
Get in touch to find out how we can help
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.
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.
Chat with a National Debtline advisor
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.