Originally, Samir took out a credit card to fill the gap between payday and the end of the month. He could always cover his minimum amount comfortably, so he started using credit to shop and go out instead of his debit card – that way he could worry about repayments after payday.
But then his credit card was declined and Samir realised he'd reached his limit. Now he owed higher repayments than he could afford, he couldn't rely on his credit to spend, and his finances were keeping him up at night.
At first, Samir planned to stop spending for a month or two to get his outstanding balance lower – then he could go back to using the available credit as before. But soon he found himself back in the same position, only this time:
Samir was feeling overwhelmed with credit card bills, fees and payday loan repayments. When his brother confronted him, he found out what had been going on and asked Samir to call Barclaycard straight away. Samir got through to one of our support team, Anne.
Samir hated the idea of telling Barclaycard what was going on. But Anne helped put a working plan in place and showed him where to create a budget online. With some light at the end of the tunnel, Samir finally began to feel like the weight was lifting.
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.
0800 046 8324
Calls to 0800 and 0808 numbers are free from UK landlines.
Mobile charges may vary.
0330 159 5980
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.
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.
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.