Debt Management - Tips & Support | NatWest

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Struggling financially

We're here to help

Get in touch
Add your signposting title here… Get in touch

Freephone

0800 161 5921

Local rate number

0345 301 5449

Minicom

0800 917 052

 

Lines open
Monday to Friday 9am-5pm, Saturday 9am-2pm
Sunday closed
Bank holidays 10am-5pm (excluding Christmas Day & Boxing Day when closed)

When you call us we will take the time to understand your situation. We will talk through your income (including any Benefits you receive) and your expenditure (including all of your bills and outgoings). We will then talk to you about the options available to help you.  

Before you call us, we recommend that you have the following to hand so that you have the most effective experience:

  • Your monthly income (including any benefits, overtime, bonuses)
  • Your monthly household spending
  • The amount you owe
  • The number of organisations you owe money to

If you don't bank with NatWest, call your own provider as soon as you can.

When to ask for help

We understand that sometimes people struggle financially. Bills pile up and it’s difficult to make ends meet.  It feels scary and you’re tempted to ignore the situation, hoping things will improve. If you can identify with any of these warning signs don’t delay – it’s time to ask for help:


You're worried about money and paying back what you owe - your debts feel like a huge burden

You're dealing with difficult circumstances which are making it harder for you to manage your money

You're regularly spending more than you earn

You're struggling to pay your mortgage, rent, your utility bills, or minimum payments on your credit cards

You can't manage your day to day spending without relying on your credit card

Several of your cards are at the maximum credit limit

You're being contacted about unpaid bills and missed payments

Get in touch
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Add your signposting title here… Where else to get support

Contact a non-profit debt-counselling organisation for support and advice, these include Money Advice Service and Citizens Advice. You can also get advice tailored to your situation from the StepChange Debt Charity using their free online tool. You don’t have to enter your name and it only takes about 20 minutes. These organisations offer free, confidential help so there's no need to pay a debt management company to advise you.

Things to think about

It’s worth getting together some information before you call anyone to talk about your situation. Most organisations will ask about your income, your household expenses, how much you owe and who you owe it to. If you decide to get further support from a debt charity or organisation, you might need to also provide:

- salary slips
- evidence of tax credits or benefits
- utility bills
- mortgage statements/ rent details
- evidence of other household expenditure
- copies of any credit agreements you have
- bank statements
- more details about each of your debts

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Useful links

Free tailored advice and practical solutions
StepChange Debt Charity

Free confidential advice
National Debtline

Free impartial advice on managing your money
Money Advice Service

General independent and free advice
Citizens Advice

Free housing advice
Shelter

We're here to help
Get in touch
Add your signposting title here… Get in touch

Freephone

0800 161 5921

Local rate number

0345 301 5449

Minicom

0800 917 052

 

Lines open
Monday to Friday 9am-5pm, Saturday 9am-2pm
Sunday closed
Bank holidays 10am-5pm (excluding Christmas Day & Boxing Day when closed)

When you call us we will take the time to understand your situation. We will talk through your income (including any Benefits you receive) and your expenditure (including all of your bills and outgoings). We will then talk to you about the options available to help you.  

Before you call us, we recommend that you have the following to hand so that you have the most effective experience:

  • Your monthly income (including any benefits, overtime, bonuses)
  • Your monthly household spending
  • The amount you owe
  • The number of organisations you owe money to

If you don't bank with NatWest, call your own provider as soon as you can.

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