Debt management

Falling behind with your credit card payments could mean you’ll have to pay extra interest and fees. If you miss a monthly payment, or your payment is late, we’ll charge you a late payment fee of up to £12. This will be registered with Credit Reference Agencies and could affect your credit rating.

We want to help our customers avoid any of these extra charges. Call us to find out how we can help.

Struggling to make a payment?
Call 0808 1450 379. We're open Monday to Friday 8am-9pm, and 8am-5pm on Saturdays. Calls may be recorded.

Already in arrears?
Call 0808 1450 364. We’re open Monday to Friday 8am-9pm, and 8am-4pm on Saturdays. Calls may be recorded.

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. Contact 0207 469 5700 or 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.