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