It was difficult enough accepting a pay cut from her employer, but after the first month Mira realised her income no longer covered her outgoings. So the credit card repayments she'd budgeted for suddenly looked impossible to pay without missing other bills like her rent and Council Tax.
As a single mother, Mira was becoming more and more concerned that she would have to start making cuts on the things her kids were used to. With life at work now going from bad to worse, she couldn't even plan ahead. By this point:
Meanwhile, rumours at worked suggested Mira might soon be out of a job altogether. She'd always been very careful with her finances, but she hadn't foreseen losing her income like this. She had no idea what to do next.
Mira was beginning to dread her bills, and soon she knew the phone would start ringing with lenders chasing payments. Not knowing where to turn or what to do, she rang us and got through to one of our support team, John.
Having never been in this situation before, Mira was embarrassed and didn't want to contact Barclaycard at first. But after speaking to John, she felt like she was getting back in control of her finances and that things wouldn't be so bad.
A sudden change in your financial situation can make you feel like you’ve lost control, even if you’re trying your best and have done nothing wrong. Jobs and income can change at any time – usually without warning, and can have serious financial consequences.
But you’re not alone.
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 in general, there are organisations that may be able to help:
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.
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.
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.