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Having trouble with your debt

If you can’t meet your monthly repayments and you’re finding it difficult to pay off the outstanding balance on your credit card, you should contact your credit card company immediately. The earlier you speak to your card company, the easier it will be for them to help you with your situation and assist you in making a repayment plan.

Do not ignore debt problems. Speak to your card company or one of the free debt advice organisations who can help and offer advice on the best options for repaymentS. Do not take out a new credit card if you are having difficulty in meeting repayments on other cards.

Credit card companies are very sympathetic to requests for help with credit card debt and repayments. The Lending Code obliges card companies to deal with requests for help sympathetically and positively. This is likely to involve agreeing a new repayment plan. There is no benefit to credit card companies if you default as it is not in their interests if their customers cannot or do not pay-off their debts.

Who should I contact?

To contact an advisor at your credit card company check your credit card statement for the relevant telephone number. If you prefer, you can write to them using the address that is on your statement.

Debt advice

If you are worried about money issues, you should contact your credit card provider at the earliest opportunity to discuss this. Alternatively, you may wish to contact the following organisations for free, independent and confidential advice:

0300 777 0107

StepChange Debt Charity
0800 138 1111

Citizens Advice (England & Wales)
England: 08444 111 444
Wales: 08444 772020

Citizens Advice (Scotland)
0131 550 1000

Citizens Advice (Northern Ireland)

Money Advice Scotland
0141 572 0237

National Debtline
0808 808 4000

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