Living with iIlness
When illness takes over, your finances can suffer.
Being diagnosed with a long-term illness affected many areas of Anna’s life, especially her finances, and she started to miss payments.
Feeling low, Anna didn’t want to check her bank balance, so started making all her payments from her credit card.
When her next card bill arrived and was much higher than she expected, she felt overwhelmed. Worried that she wouldn’t be able to pay all her monthly bills, Anna didn’t know where to find help.
After putting her weekly food shop on her credit card so she could pay her utility bills, Anna’s brother persuaded her to give us a call.
How we helped
- Anna spoke to Victoria, who listened to everything she said, and understood why Anna’s finances needed to be organised
- They worked together and created a repayment plan, so Anna had an affordable monthly payment
- Victoria told Anna before she agreed to the repayment plan that it would be reported to the Credit Reference Agencies, and that it could affect her ability to obtain credit in the future. However, entering into the repayment plan would be better for Anna than continuing to miss payments
- Victoria also made sure that Anna knew how to access her Barclaycard account online so she could make payments to her account. For Anna’s Barclays current account, Victoria told her about Barclays Financial Wings and Barclays Finance Manager, so Anna could learn how to manage her finances better
Are you in a similar situation to Anna?
Are you suffering from an illness and can’t work to help pay the bills?
We can help. As soon as you feel like you might be in financial difficulty, give us a call. Calling us won’t make anything worse.
To prepare for the call, it’ll be best if you have your account details and some information about your monthly income and outgoings ready. You might be talking for a while, as the adviser will want to understand your situation in detail, so make sure you set aside some time.
If you haven’t missed a payment but are worried about your finances, you may want to call the numbers below.
- Mortgages – 0800 022 4022. Lines are open Monday to Friday, 8.30am to 5.30pm and Saturday 9am to 1pm
- Barclaycard – 0800 046 8324. Lines are open every day from 9am to 9pm
- Overdraft and Barclayloan – 0345 600 4545. Lines are open Monday to Sunday, 8am to 9pm
- Premier – 08009 247 365. Lines are open 24 hours a day, 7 days a week
If you’ve missed a payment, we’ll contact you soon to discuss your options. But if you’d like to speak to us in the meantime, please call 0345 734 5345. Lines are open Monday to Sunday, 7am to 11pm.
Self-employed or have a business? Get assistance here.
There are other services that offer free support
- National Debtline, StepChange and Citizens Advice – for free debt advice
- NHS Live Well – advice and support for those struggling with illness
- Entitledto – for specialist benefits advice
For more guidance, find your nearest branch.
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