Struggling Financially - Help And Support | Ulster Bank

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Struggling financially

We're here to help when things get tough

Get in touch

Need financial help?

For mortgage debt assistance call us today on 0345 3016910

For loan or overdraft debt assistance call us on 0345 6023112

For credit card debt assistance call us on 028 90898900

Request a call back
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Add your signposting title here… When to ask for help

If you're not sure you have a debt problem, ask yourself the questions below. They are the classic financial warning signs:

  • You're regularly spending more than you earn
  • You're struggling to pay your mortgage or rent, utility bills or minimum payments on your loans or credit cards
  • Several of your cards are maxed out
  • You can't manage day-to-day without relying on your credit card
  • You're being contacted about unpaid bills and missed payments
  • You're worried about paying back what you owe and your debts feel like a huge burden
Find out how we can help
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Add your signposting title here… Get in touch

It’s difficult to know where to turn when you’re struggling financially. We’re here to help. Call us and we’ll take the time to understand your situation, and talk through the options available to help you. When you call, it’s good idea to have these details to hand to help us get an accurate picture of your situation: 

 

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

 

You should be able to find most of this information on your bank statements or by looking at your bank account online. If you don't bank with Ulster Bank, call your provider as soon as you can.

Get in touch

Need financial help?

For mortgage debt assistance call us today on 0345 3016910

For loan or overdraft debt assistance call us on 0345 6023112

For credit card debt assistance call us on 028 90898900

man rubbing forehead
Add your signposting title here… Where else to get support

There are lots of organisations that offer free, confidential advice to help you get back on track, including 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. Be wary of using any companies that charge fees for help. If you do, it may take you longer to pay off your debts. 

 

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.  

Borrowing and credit scoring

 

Like other responsible lenders, to help us make decisions on when to give you credit, we use a system called credit scoring when we assess your application. Credit scoring helps us predict how likely we are to get back the money we lend. 

Find out more
Useful links

Our no nonsense guide to managing debt
Download our Money Matters guide

Free tailored advice and practical solutions
StepChange Debt Charity

Free confidential advice
National Debtline

Free impartial advice on managing your money
Money Advice Service

The independent advice network for NI
Advice NI

Help for financially vulnerable NI
Debt Action NI

General independent and free advice
Citizens Advice

Free housing advice
Shelter

We're here to help
Request a call back

Need financial help?

For mortgage debt assistance call us today on 0345 3016910

For loan or overdraft debt assistance call us on 0345 6023112

For credit card debt assistance call us on 028 90898900

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