Struggling Financially

I have already missed one or more payments

If you've already missed one or more payments, don’t panic, we are here to help. You may have already received some form of contact from us and we understand that during times like these it can feel easier to avoid a conversation with us and hope the situation improves, but it's really important that you do.

When you contact us, you'll be chatting with dedicated colleagues who are here to support you and discuss your current situation. You may be asked to complete an income and expenditure form so they can see what solutions are available for you. Having details of your income/outgoings to hand would be helpful.

More info on the form can be found here.

I know I'm going to miss a payment soon

If you know you are going to miss a payment towards any of the following please get in contact as soon as possible so we can support you:

•Mortgage

•Loan

•Credit Card

•Bank Account

•Business Account

Its really important you contact us. When you do, you'll be speaking to dedicated colleagues who are here to support you and discuss your current situation. You may be asked to complete an income and expenditure form so they can see what solutions are available for you.

More info on the form can be found here.

I'm worried I might miss a payment in the future

You don’t have to be struggling with your finances to get our help, if you're worried things might change in the future and you want to take control now, we have tools available to help you. Check out our financial health check and book in for a time that suits you.

Add your signposting title here… We're ready when you are

If you want to speak to our dedicated team please select the 'Need help?' button on the right hand side of the page.

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 (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 Ulster, then call your bank as soon as you can.

Get in touch

Via the Mobile App: simply tap ‘Help’ at the bottom of the screen followed by ‘Message us’
On our pages: ask Cora via the 'Need help' button in the bottom right corner of the page

To help you find the right information, quote 'struggling financially' in your message.

Get the app

Download the latest version of our apps

Get the App

Add your signposting title here… Independent support available

If you are struggling with your finances, you can get free debt advice. We partner with PayPlan (a third party company), who can offer you free confidential advice for all of your debts.

Start your journey with PayPlan

What are signs that I might need help?

1. You’re regularly spending more than you earn.

2. You’re worried about paying back the money you owe and your debts feel like a huge burden.

3. You’re dealing with difficult circumstances that make it hard for you to manage your money

4. You’re being contacted about unpaid bills and missed payments.

5. Several of your cards are at the maximum credit limit.

Add your signposting title here… Common struggles

Useful links

Free advice on debt, benefits, housing, legal matters, employment and general consumer advice.

Citizens Advice

Free advice on debt, divorce/separation, setting up a new home, care & disability.

Money Advice Service

Free and impartial advice on debt, divorce/separation, setting up a new home, care & disability.

GOV. UK

Government support for landlords and renters reflecting the current coronavirus (COVID-19) outbreak.

Housing Executive

Coronavirus (COVID-19) advice for renters and landlords from the Housing Executive.

Free advice on bankruptcy, employment, benefits, money management and mortgage/repossession support.

Stepchange Debt Charity

Free and confidential advice on debt.

Advice NI

If you want to speak to our dedicated team please select the 'Need help?' button on the right hand side of the page.

Struggling Financially - Help And Support | Ulster Bank

Struggling financially

We're here to help