It’s been a difficult time for her family, and things won’t be fully settled until Kath’s divorce has gone through and they can begin to adjust to a different way of life.
Before her separation, Kath had enjoyed managing the finances with her partner, who was the main earner for the family and covered most of the bills. Now she 's struggling to cover her share of the bills. She's worried because:
- she hadn’t realised she'd reached the limit on her Barclaycard
- another loan is in her name only and the repayments are high
- the last council tax bill hasn’t been paid
Not knowing what to do with the finances is one thing, but Kath was finding it really difficult, not to mention emotionally taxing, making ends meet.
Kath was very anxious about ringing Barclaycard, but really needed some advice on what to do. When she called, she was put through to one of our support team, Peter, who reassured her straight away.
Kath was nervous about calling as she’d never handled the finances alone before, but Peter listened and gave her everything she needed to confidently move forward and keep things covered until the settlement.
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.
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.