Can’t pay your lender? Find it here
Type your bank, card provider or lender. Each of the 38 lenders below has a page on asking for help, what happens next and how to complain.
| Lender | Type | Brands |
|---|---|---|
| 118 118 Money | Loans | — |
| American Express UK | Credit cards | American Express, Amex |
| Bank of Scotland | Bank and overdraft | — |
| Barclaycard | Credit cards | — |
| Barclays | Bank and overdraft | Barclayloan |
| Black Horse | Car finance | Black Horse FlexPay |
| Capital One UK | Credit cards | Capital One, Capital One Littlewoods, Capital One ASOS, Luma |
| Clearpay | Buy now pay later | — |
| Close Brothers Motor Finance | Car finance | — |
| first direct | Bank and overdraft | — |
| Freemans | Catalogue | — |
| Grattan | Catalogue | — |
| Halifax | Bank and overdraft | — |
| HSBC UK | Bank and overdraft | — |
| JD Williams (N Brown) | Catalogue | JD Williams, JDW Pay |
| Klarna | Buy now pay later | Klarna Card |
| Lending Stream | Loans | — |
| Lloyds Bank | Bank and overdraft | — |
| MBNA | Credit cards | — |
| Moneybarn | Car finance | — |
| Monzo | Bank and overdraft | Monzo Flex |
| Nationwide Building Society | Bank and overdraft | Nationwide |
| NatWest | Bank and overdraft | — |
| NewDay | Credit cards | Aqua, Marbles, Fluid, Bip |
| Oakbrook Finance | Loans | OakbrookAdvance, Likely Loans, Finio Loans |
| PayPal Pay in 3 | Buy now pay later | — |
| Royal Bank of Scotland (RBS) | Bank and overdraft | Royal Bank of Scotland, RBS |
| Sainsbury's Bank | Credit cards | — |
| Santander Consumer Finance | Car finance | — |
| Santander UK | Bank and overdraft | Santander |
| Starling Bank | Bank and overdraft | Starling |
| Studio | Catalogue | Studio Pay |
| Tesco Bank | Credit cards | Tesco Bank Clubcard credit card |
| TSB | Bank and overdraft | — |
| Vanquis | Credit cards | — |
| Very (The Very Group) | Catalogue | Very, Very Pay |
| Virgin Money | Bank and overdraft | — |
| Zopa | Bank and overdraft | — |
No match. Check the spelling on your letter, or read what to do with any debt collector.
The same rules apply to every lender
Every FCA-regulated lender must treat customers in financial difficulty fairly, consider forbearance such as lower payments or frozen interest, and give you time to get advice. If you cannot afford your payments.
My Debt Cleared is independent and is not connected with any company listed here. We cannot see or change your account. Firm details come from public sources including the FCA register, Companies House and the firms’ own websites; check them yourself before acting. Spotted something out of date? Tell us.
Common questions
What do I do if I can't pay my bank?
Contact the bank before you miss a payment, ask for a lower payment and frozen interest, and put any offer in writing based on your budget.
Do lenders have to help if I'm struggling?
FCA rules require lenders to treat customers in financial difficulty fairly and to consider options such as reduced payments or suspended interest. They do not have to agree to everything.
Who do I complain to about a lender?
The lender first. If you are not happy with its final response, or it has not replied within eight weeks, you can go to the free Financial Ombudsman Service.