Note:

Talking to us won't impact your credit rating or appear on your credit report.

Tell us about your situation

The sooner you get in touch with us, the more options you’ll have. Start by answering a few questions so we can guide you to the best support.

It takes roughly 2 minutes. 

Do you need different support?

If you don’t need specific debt support, these options may be better suited for you.

Managing your money

Find out about the services, products and guidance we offer to help you manage your money, including speaking to a cost of living expert through our dedicated helpline.

Has something changed or are you going through a tough time?

We can help you if you need specialist support for these situations:

  • illness
  • a bereavement
  • financial and economic abuse
  • gambling
  • third party access to help manage finances

Taking the first step

Show transcript
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Hello. If you're watching this short film,

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the chances are you have some money worries.

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Well, you've done the right thing,

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and taken the first and most important

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step towards

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getting back in control of your money.

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And that first step is to get some help.

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Of course, the help you need

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will depend on the kind of money worries

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you have.

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For example, you may be starting to struggle

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with monthly bills, mortgage repayments,

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or have had your income reduced

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and you need help before you get into debt.

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Or it may be that we've contacted you

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because you've missed some payments,

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or you're not paying enough each month

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to clear your outstanding balances.

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Whatever your situation, we're committed

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to helping you through the bad times

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as well as the good.

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That's why we offer a wide range of support,

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tools and options to help you to

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overcome your money worries.

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We recommend you start by using our online tool

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to help you get back on track.

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By using our online tool, we can help

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you find the right support

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for your own situation.

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Because if there's one thing

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we've learned, it's that everyone situation

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is unique to them.

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We'll take the time to understand

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your circumstances, help you work out

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how much money you have coming in

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and how much you can afford to pay back each month.

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So now you've taken

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the first important step, keep going

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and use our online tool

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to get the help you need today.

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Because the sooner you act,

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the sooner we can start to

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help ease your money worries.

When you may hear from us

You may hear from us to follow up on a conversation, to return your call or if we think we could help.

Phone numbers we may contact you from:

  • Current accounts 0800 464 31 36
  • Mortgages 0800 464 31 37
  • Personal loans 0800 464 31 38
  • Credit cards 0800 464 31 40 

If you’re not sure a call from us is genuine, you can check by calling 0800 464 30 40. 

We’ll never ask you to

You’ll never be asked for your PIN or card reader-generated passcode by us or the organisations we work with.

Our fraud and security help section explains how we keep you safe and how you can protect yourself.

Talk to an independent advisor about your debt

If you want to speak to an expert that isn't us, you can contact a specialist debt advisor or charity for different types of support including:

  • help with debt plans and insolvency
  • general debt advice
  • money management
  • financial wellbeing

If you’ve been contacted by ReachOut

We sometimes ask ReachOut to contact our customers if we think it could help. They're a confidential and free service, there to support you.