Barclay Credit Card Debt Help
Need Help With Barclaycard Debt? We offer clear, confidential advice to help you deal with rising interest, missed payments, or financial pressure from your Barclay credit card.
- Write off 75%* of unaffordable debt
- One lower monthly payment
- Stop creditor hassle and bailiffs
- Access mental well-being services
Your credit rating may be affected if you opt for a debt solution.
Rated Excellent
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Get information today on your available options
Worried About Barclaycard Payments?
Barclaycard credit cards are often used to manage short-term spending, but when interest stacks up and payments barely touch the balance, it can start to feel unmanageable. If you’ve missed a payment or you’re finding it harder to keep up, it might be time to look at your options.
At PennyPlan, we speak to people every day facing similar challenges. We’ll take the time to understand your situation, talk you through what support’s available, and help you find a way forward that actually works for you.
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What If You Can’t Keep Up With Barclaycard Payments?
If you fall behind on your Barclaycard credit card payments, the balance can grow faster than expected, especially once late fees and interest are added. You might start receiving reminder emails, letters or calls, and your account could eventually be frozen.
If the debt remains unpaid, Barclaycard may pass your account to a collection agency or apply for a County Court Judgment (CCJ). This can affect your credit score and limit your access to credit in the future.
The sooner you get support, the easier it is to manage things before they escalate. At PennyPlan, we’re here to help you take back control at your own pace, and without pressure.
This can harm your credit score and make it more difficult to get finance in the future. But none of that happens overnight. The sooner you get support, the more options you’ll have to protect yourself from further stress.
We Help With Most Debts - Not Just Barclaycard!
*Mortgage debt can be included if you no longer own the property in question.
- Credit Cards
- Loans
- Overdrafts
- Store Cards
- Mortgages*
- Catalogues
- Council Tax
- Benefit Debts
- Utility Bills
- Payday Loans
Example Of An IVA
UNSECURED DEBTS
Your Monthly Repayments:
Find out for FREE what debt help is available to you
Subject to creditor acceptance. Payment subject to individual circumstances.
Credit Rating may be affected. Fees apply, subject to individuals circumstances.
Reasons To Choose PennyPlan
- Stop all interest & charges
- Write off debt
- Access well-being services
- Reduce monthly payments
Dealing With Barclaycard Credit Card Debt
Barclaycard debt can feel manageable at first, but once payments are missed and interest keeps rising, it can quickly start to snowball. If you’re also dealing with other financial commitments, the pressure can add up fast.
The good news is, you don’t have to deal with it alone. There are regulated debt solutions available like Debt Management Plans (DMPs), Individual Voluntary Arrangements (IVAs), and Debt Relief Orders (DROs). These options may help reduce what you repay and make your situation more manageable.
If you’re not sure what’s right for you, we’ll explain your Barclaycard debt options clearly and help you find a plan that fits your situation.
Barclaycard Debt Solution Options
Understanding the options available to deal with your Barclay credit card debt is the first step toward taking back control. Our goal is to help you find a manageable way to reduce the pressure and move forward with confidence.
What works best will depend on your circumstances, which is why one of our specialist advisers will take the time to talk it through with you and explain the routes available.
IVA
Individual Voluntary Arrangement
An IVA consolidates your debts into one affordable plan, with some Barclaycard debt potentially written off.
DMP
Debt Management Plan
A repayment plan that combines debts into one monthly payment. Interest can be reduced or frozen, helping ease financial pressure
DRO
Debt Relief Order
A debt reduction programme for those on low income. Certain debts can be cleared, with no ongoing payments required during the DRO.
Find Out For FREE What Debt Help Is Available To You
Get Help With Barclaycard Debt Today
We’ve helped people across the UK take control of their debts and get their lives back on track. Our trained advisers will assess your individual situation and guide you towards the best way to manage and resolve your finances.
Do I Qualify
For an IVA?
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Get information today on your available options
Get Support With Barclays Credit Card Debt
If your Barclaycard balance is creeping up and repayments are becoming a struggle, it might be time to reach out. Whether you’ve missed a few payments or just feel like you’re losing control, you’re not alone and you don’t have to figure it out by yourself.
At PennyPlan, we offer free, confidential advice that’s tailored to your situation. We’ll help you understand your options and guide you toward a solution that feels realistic and achievable.
If you’re ready to take the first step, we’re here to help you move forward, reach out today.
- One lower monthly payment
- Write off 75%* of unaffordable debt
- Freeze interest & charges
- Stop legal action including bailiffs
- Receive FREE well-being sessions
Can Barclaycard Debt Be Included In An IVA Or DMP?
Yes, Barclaycard credit card debt is typically unsecured, which means it can often be included in formal debt solutions like a Debt Management Plan (DMP) or an Individual Voluntary Arrangement (IVA).
Both options are designed to make repayments more manageable by combining your debts into one monthly payment. This can take the pressure off and help you stay in control, especially if Barclaycard is just one of several debts you’re dealing with.
We’ll help you understand if a DMP or IVA is right for your situation, and support you through each step of the process with clarity and care.
Tackle Your Debt And Your Mental Health In One Place
Our team are committed to getting your finances and well-being back in top condition
Apply for our eligibility check
Find out if you match the minimum criteria we require to enter you into one of our IVA plans
Speak to our debt specialists
Speak to our friendly debt specialists, who will explain all the options available to you.
Choose your debt solution
Now you have all the options available, you can make an informed decision that is right for you and your family.
Do I Qualify
For an IVA?
What Our Customers Say About Us
Maria
3 days ago
PennyPlan were extremely professional and genuinely caring, I am very happy that I made the call and now have a plan in place and peace of mind. From the first contact to the signing of the agreement it was straight forward and simple plus the staff really are exceptional in the way they listen and understand’ I couldn’t have asked for a better company.
Emily
4 days ago
For over a decade I have kept my money worries to my self away from friends and family one phone call with Leah and I had laid it all bare without a second thought nothing shocked her and nothing wasn’t sortable I’m forever grateful I stumbled across this company and no longer have to worry about money on my own. Highly recommend!!
Daniel
4 days ago
PennyPlan offered insightful, professional and empathetic support throughout my insolvency. Declan in particular was friendly, personable and knowledgeable, and a massive help throughout the process. They offer a no pressure service and allow you to make the best decision for yourself. I highly recommend these guys for anyone struggling with debt.
Mark
1 week ago
I was hesitant in applying for an IVA, But my mind was put at ease on the first call. The whole process was explained to me with complete care and understanding and I didn’t feel judged at all. Since being accepted for the IVA my mental health has improved so much and I now don’t worry about how I am going to put food on the table each week.
Barclay Credit Card Debt FAQs
If you miss payments, you could face late fees, added interest, and eventually debt collection or legal action. The sooner you seek advice, the more options you’ll have.
Yes, if the debt remains unpaid, Barclaycard may pursue legal action such as a County Court Judgment (CCJ), which can impact your credit score and future borrowing.
Yes. Missed or late payments will show on your credit report and could lower your score. Entering a debt solution may also have an impact, but it can help avoid worse outcomes.
If you enter a formal debt solution or fall behind on payments, Barclaycard may suspend your account to prevent further spending. This is a standard step in many cases.
We offer free, personalised advice to help you understand your debt, explore your options, and find a path that feels manageable.
