Payment advice

You do not have to struggle alone - there are many organisations and tools available to help you.

Speak to Nationwide about any overdue payments on a Flexaccount, Credit Card, Mortgage, or Personal Loan you have with us, or with Nationwide Trust Ltd.

Contact a debt advice/counselling organisation to talk about other debts. We provide links to those who offer free advice. If you want the debt counselling organisation to speak to us, we will be happy to deal with them, but we will need your authority to speak with them.

Many debt advice/counselling organisations will offer tools to help you manage your debts yourself - for example, income and expenditure forms and budget calculators. To save you searching for them, we provide links to some of them.

There are many leaflets and guides to managing debt. You can download Nationwide publications. We also provide links to independent and government brochures.

If you have borrowed from a "loan shark", you can get help from the government taskforce - their phone line is staffed 24 hours a day 7 days a week, 0300 555 2222, or text "LOAN" (space) "SHARK" (space) + your message to 60003, or e-mail stoploansharks@birmingham.gov.uk.

If you are concerned about the amount of time or money you spend gambling, GamCare can help with one to one, free, confidential advice, support and counselling. Contact their HelpLine on 0845 6000 133, or use their website www.gamcare.org.uk. They have an on-line forum, chatroom, and net line.