Debt Management - Tips & Support | NatWest

Struggling financially

Struggling financially

We're here to help

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

We're here to help. If you want to speak to our dedicated team please select the 'Chat now' button on the right hand side of the page.

Our fully trained team have lots of experience with financial difficulty, and we'll take time to understand your individual situation and discuss the options available to help you.

We will need to get an accurate picture of your situation so please have a few details to hand:

  • Your monthly income (including any benefits, overtime, bonuses)
  • Your monthly household spending (inclduing all of your bills and expenses
  • The amount you owe
  • The number of organisations you owe money to

You'll find most of this information on your bank statements or by looking at your bank account online. If you don't bank with NatWest, then call your bank as soon as you can.

If you give us authorisation, we're happy to talk to a relative, friend or debt counselling organisation about your accounts.

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
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

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

We're here to help. If you want to speak to our dedicated team please select the 'Chat now' button on the right hand side of the page.

Our fully trained team have lots of experience with financial difficulty, and we'll take time to understand your individual situation and discuss the options available to help you.

We will need to get an accurate picture of your situation so please have a few details to hand:

  • Your monthly income (including any benefits, overtime, bonuses)
  • Your monthly household spending (inclduing all of your bills and expenses
  • The amount you owe
  • The number of organisations you owe money to

You'll find most of this information on your bank statements or by looking at your bank account online. If you don't bank with NatWest, then call your bank as soon as you can.

If you give us authorisation, we're happy to talk to a relative, friend or debt counselling organisation about your accounts.

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