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:
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…
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.
Calls to 0800 and 0808 numbers are free from UK landlines.
Mobile charges may vary.
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,
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.
Save the Student provides free impartial advice to students on how to make your money go further.
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.