Debt management

If you fall behind on your monthly credit card payments then you may have to pay extra interest and fees. For example, you’ll be charged a late payment fee of £12 if your payment is late or if you miss a monthly payment. This will be registered with Credit Reference Agencies and could affect your credit rating.

If you’re struggling to make a payment or you’re already in arrears then call us on 0800 085 6934. We’re here Monday to Friday from 8am to 8pm and from 8am to 4pm on Saturdays.

There are a number of organisations who can provide you with useful information, advice and support when dealing with debt. You can talk to them about your financial concerns in complete confidence. Please be aware that there are also many similar commercial companies that will charge you for this service.

StepChange Debt Charity
A registered charity that offers free and impartial advice, their service is totally confidential, and supports anyone who needs advice and guidance to help them take control of their finances. You can call them free of charge on 0800 138 1111 or visit their website at:

Citizens Advice Bureau
The CAB offers free face to face assistance to people with severe financial difficulties through their network of local offices. You can get the telephone number of your local bureau from The Phone Book, the local library or from their website:

Money Advice Trust
Free, independent debt advice to people across the UK through telephone and online services. Visit their website for more information:

National Debtline
National Debtline provides free advice and resources to help people deal with their debts. They give advice on important debts such as rent or mortgage arrears and support if creditors take court action. National Debtline also helps people with their budget and look for ways to increase their income. Their service is available over the phone, through their website and via webchat. 

Go to for information, resources and webchat, or call National Debtline on 0808 808 4000, Monday to Friday 9am to 8pm, or Saturday 9.30am to 1pm.

Advice UK
Advice UK is the UK's largest support network for free, independent advice centres. It covers not only money and debt advice but, also other areas such as homelessness, drugs and alcohol, benefits, etc. Visit

Free debt advice and support - identifying and implementing the best solution for you. 

Go to for information, or call PayPlan on 0808 278 9044, Monday to Friday 8am to 8pm, or Saturday 9am to 3pm.