How we can help

We’re here to help with any money worries you may have, now and in the future.

Ways we can support you with your credit card, loan or home insurance

Are you finding it hard to keep up with your credit card, loan or home insurance payments? We can help you deal with your debt.

You can access support in a way that suits you, either online or by phone. ​

It’s helpful if you use a budget calculator so that you can get a better feel for your finances.​

Don’t worry if you’re behind with any of your payments or have missed an essential bill, we can still help you. ​

Instead, you can speak to an independent adviser.​

Before you go online or call

To save time and give you the best help we can, please have these things to hand:

  • Your account numbers.
  • How much money comes in each month.
  • How much money you spend each month.
  • What you pay to others.


What to expect

To help you, we will:

  • Go through your money to see what’s worrying you.
  • Let you know about the help you may be able to get.
  • Tell you where you can find extra help.

And if you call us, it may take a little time – depending on your query and the support you need.


Want to make a credit card payment, manage your Direct Debit or check a plan you have with us?

Just log in to Online Services, then select ‘Need help with your debt or payments?’ on the account menu.

Log in   Register

Free independent help and advice

Access financial support and guidance from free independent organisations or your government.

Find out if you can get support to claim a range of benefits and housing options that you may be eligible for.

Get free debt help now

Or you can call us

Credit cards

Already missed a payment? You can speak to us on 0800 028 0690.

Worried about future payments? You can speak to us on 0800 056 7298 (or +44 1244 757 233 from outside the UK).

Lines are open Mon-Fri 8am-8pm and Sat 8am-5pm.

Whatever help you need, you really aren’t on your own. Just speaking to us won’t affect your credit score.


Home insurance

Please get in touch with us to see how we can help. We'll review your policy and look at how we can best support you.

Please call us on 0345 266 6679.
Mon-Fri: 8am-6pm.
Sat: 9am-1pm.

Graph of busy times. The busiest time is 1pm, followed by 4pm. 9am, 12pm, 6pm, and 7pm are also busy. The quietest times are 10am, 11am, 2pm, 3pm, and 5pm.

Calls and online sessions may be monitored and recorded. Not all Telephone Banking services are available 24 hours a day, 7 days a week.