He was already working a part time job, but Nathan still couldn’t pay his card bill and the extra shifts he’d picked up made him miss some important lectures.
With exams on the horizon, Nathan wanted to pull back his shifts and focus on his final term. But he knew that if he did that, he'd get further behind with his repayments.
Knowing he had to do something, Nathan decided to call Barclaycard and find a way to get through his exams without worrying too much about money. He knew things were getting out of hand because:
- his portion of the rent was overdue and his housemates were angry
- he’d borrowed money from a friend and couldn’t pay it back
- he was up to his credit limit and incurring late payment fees
When he rang us, Nathan got through to one of our support team, Sandra.
Having talked to Sandra and put a plan in place, Nathan felt like a weight had been lifted. With his debt being paid in manageable amounts, the letters stopped and now he could focus on getting good grades and setting up a job to go to after university.
Leaving university can be a daunting prospect at the best of times, so the last thing you want is to start out with financial troubles. And with coursework and exams on your mind, worrying about money can be a distraction you don’t need.
But it doesn’t have to be that way…
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.