He can't keep it a secret for much longer

Ray's gambling is out-of-control...

Ray's story

Ray had a big win early on, and he'd been chasing the next one ever since – but his luck had run out. He'd been making excuses at work so he could spend more time on gambling, and raising the stakes to try and win back his mounting losses. He'd used his card to place bets and regularly borrowed money from a payday loan company to cover the household bills.

With the family budget tightening more and more each month for no apparent reason, Ray knew a confrontation with his wife was inevitable.

Feeling guilty about the position he'd put his family in, Ray contacted a local gambling addiction charity for help. As well as getting Ray onto a support programme, they advised him to contact his lenders and tell them about his situation.

How Barclaycard helped

When he rang us, Ray got through to one of our support team, Alison.

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

Together they created a repayment plan that Ray could afford, and put a longer term plan in place for when he was in a better place. Alison explained what information she needed for this, as well as how it would affect Ray’s credit score and what could be done to help

She checked that Ray  knew he could access his Barclaycard account online to make debit card payments and when he could afford to, set up a Direct Debit  – and that confidential and independent advice was available with StepChange  Debt Charity


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.

Does your story sound like Ray's?

When you feel powerless to stop, the financial consequences of an addiction can be devastating.  You don't have to handle this alone. Get in touch with us as soon as you can and let us know what's going on.

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

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 – 6pm Monday to Friday, and 9am – 2pm 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
L32 8UY

Other ways you can get help

If you're struggling with a few different debts or money worries in general, there are organisations that may be able to help:

StepChange logo

StepChange is 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.

National Debtline logo

The National Debtline offers free independent support for advice on how to deal with your debts, including live online webchat with a National Debtline advisor.

Money Advice Service logo

The Money Advice Service provides a range of free and impartial money advice over the phone and online, including tools and calculators to help you manage your finances.

Are you struggling with addiction?

An estimated 2 million people in the UK have an addiction – you're not alone.

Get help at NHS LiveWell or call: 111

The line is free and always open.

Feel like there's no-one to turn to?

You can talk to The Samaritans  anytime you like, in your own way, and off the record.

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.

StepChange Debt Charity 60-second debt test

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*.

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.