David had been ill for a long time, but that didn't make it any easier for Maureen to cope when he passed away. She was struggling to come to terms with life on her own and was finding it hard to manage her money, and now her debts had built up beyond her means. Maureen felt ashamed, and didn't know where to turn.
Feeling overwhelmed by grief and worry, Maureen withdrew from her problems and stopped opening statements and letters. By this point, her situation was getting worse and she was:
- behind on two Council Tax payments
- overdue on repayments for a short-term loan with high interest
- over the agreed credit limit on her Barclaycard
Initially Maureen just wanted the letters and calls to stop. But eventually she knew she’d have to call Barclaycard and try to explain to them that she needed time. When she did, she got through to one of our support team,
Maureen had been feeling completely overwhelmed when she picked up the phone, but talking to Janet really helped. She felt there was hope in resolving the situation, and having someone to explain things to her made all the difference.
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:
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.
Do you need to notify us of a death?
If you also need to take care of the financial matters of a loved one, we have a bereavement team that can help and guide you through the process. Visit our step-by-step guide to find out more.
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.