Financial Help For Bereavement
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
How Barclaycard helped
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,
- Janet gave Maureen time to explain things in her own words and wasn't judgemental or demanding, as Maureen had feared
- Together they created a plan for Maureen to make affordable payments, while Janet explained what information she needed and why, as well as how it would affect Maureen’s credit score and what could be done to help
- She checked that Maureen knew she could access her Barclaycard account online to make debit card payments, change payment due dates and, when she could afford to, set up a Direct Debit – and that confidential and independent advice was available with StepChange Debt Charity
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.
Does your story sound like Maureen's?
The loss of a loved one can turn your world upside down, and it can be difficult even imagining what to do without them. Financial concerns can make a difficult time feel impossible to deal with, but you don’t have to try to cope on your own.
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
Talk to us on the phone
As soon as you think you might be facing financial difficulties, give us a call. It could make things much easier.
Before you pick up the phone, it’s a good idea to jot down some notes about your income and spending. And set some time aside – we’ll want to understand your situation in detail, so you might be talking for a while.
Worried you’ll miss a payment?
Call us on 0800 056 1411.
Missed a payment and want to catch up?
If you’ve missed a payment on your Barclaycard, you might be able to pay it using the Barclaycard app.
Alternatively, call us on 0800 161 5205.
Both lines are open Monday to Friday 8am to 9pm, Saturday and Sunday 9am to 9pm.
Calls to 0800 numbers are free from UK landlines. Mobile charges may vary. Find out more about call charges.
You can also:
Use the Barclaycard app
Send us a message from the ‘Help’ section of the Barclaycard app. It's secure and you don’t have to wait for our reply, just log back in when you’re ready to see if we've replied.
You need to be 18 or over to use the app. T&Cs apply.
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:
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.