Debt Management - Tips & Support | Royal Bank of Scotland

Struggling financially

Struggling financially

We're here to help

View our guide to getting out of debt Get in touch with us
When to ask for help

We understand that sometimes people struggle financially. Bills pile up and it's difficult to make ends meet. It can feel scary and you might be 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. Call us and you'll speak with our dedicated teams who are trained to help and have lots of experience with financial difficulty. We'll take time to understand your individual situation and discuss the options available to help you.

When you call, please have a few details to hand to help us get an accurate picture of your situation:

  • Your monthly income (including any benefits, overtime, bonuses)
  • Your monthly spending (including 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 Royal Bank of Scotland, then call your provider as soon as you can.

We're happy to talk to a relative, friend or debt counselling organisation about your accounts. We'll need your authorisation first for your protection.

Talk to us now
Add your signposting title here… Get in touch

Royal Bank of Scotland customers can call:

0345 301 5432

Minicom

0800 027 1368

Lines open

Monday to Friday (9am-5pm, Saturday 9am-2pm)

Sunday closed

Bank holidays (9am-3pm) - 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 Royal Bank of Scotland, call your own provider as soon as you can.

Add your signposting title here… Where else to get support

Contact a non-profit debt-counselling organisation for support and advice. These include the 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

These links are to non-Royal Bank of Scotland websites. Royal Bank is not liable for the accuracy of the information provided on these websites.

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

Royal Bank of Scotland customers can call:

0345 301 5432

Minicom

0800 027 1368

Lines open

Monday to Friday (9am-5pm, Saturday 9am-2pm)

Sunday closed

Bank holidays (9am-3pm) - 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 Royal Bank of Scotland, call your own provider as soon as you can.

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