Credit Card Debt Help With Illness
John was diagnosed with cancer a few months ago and had to give up work. As a result, his family had to get by on benefits whilst John underwent treatment. Meanwhile, the list of unpaid bills continued to grow and his wife was really struggling to look after him.
John felt as if his life was falling apart. He could see that his illness was putting a huge strain on his wife and kids, and having to worry about money on top of everything else was making the situation worse.
Noticing that he appeared very anxious, John's nurse convinced him to call Barclaycard and let us know what was happening.
How Barclaycard helped
When he rang us, John got through to one of our support team, Steve.
- Steve gave John time to explain things in his own words and wasn’t judgemental or demanding, as John had feared
- Together they created a repayment plan that John could afford, and put a longer term plan in place for when he was in a better place. Steve explained what information he needed for this, as well as how it would affect John's credit score and what could be done to help
- He checked that John knew he could access his Barclaycard account online or via the Barclaycard app to make debit card payments, change payment due dates and, when he could afford to, set up a Direct Debit
- He also advised that there is free help and advice available and that he should also check out the government website for information and services available to him. We’ve included links to organisations that offer independent help and advice in the ‘Other ways to get help’ section below
John was very apprehensive about ringing Barclaycard, but felt relieved once the call was over. Steve was reassuring, acknowledged John's situation and gave him the advice he needed to take back control of his finances and put his mind at rest.
Does your story sound like John's?
Falling ill can cause a lot of anxiety, and if you have to stop working, the loss of income can make a difficult time feel almost impossible to deal with.
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:
Have you been diagnosed with cancer?
Cancer is one of the toughest fights most of us will ever face. But you don't have to go through it alone.
For answers, support or just a chat, get in touch with MacMillan.
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.
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.