Life doesn’t always go according to plan, and when you face difficult times, our Financial Difficulties Team is here to offer support. We can discuss your situation, and inform you of any help we can provide.
Are you struggling to keep up with your payments for any reason?
Let's work together to find a solution.
Tel: 01273 576458
Free Phone: 0800 876 6019
Life doesn’t always go according to plan, and when you face difficult times, American Express is here to offer and provide you with the utmost support. Our specialist Financial Hardship team can speak with you about your situation and inform you of any help we can provide.
We aim to relieve financial pressure through providing solutions which are tailored to your unique situation, and offered for the length of time that we understand you require assistance for.
The first step we take with you is completing an Income & Expenditure form, this helps us to understand your financial situation. You can download this to complete yourself, or contact our Live Chat and telephone teams who will be happy to assist you. For more information, see Where Can I Start.
If you’re having difficulty repaying multiple debts and you want to address your debt on a wider scale, you may want to contact a Debt Management Company. We work very closely with numerous Debt Management Companies who, like American Express, can help reduce the burden on you. For more information, see Where Can I Start? or Useful Services.
Are you struggling or feeling stressed about making payments?
It’s always important to take the first step during challenging times and we are here to guide you through this.
Before contacting us, we would recommend completing an Income & Expenditure form, or if you have multiple debts, considering to reach out to a Debt Management company.
Income & Expenditure
By filling out an Income & Expenditure form, you provide information that lets us tailor our approach to your unique situation and offer the most appropriate solution to your circumstances.
Completing your Income & Expenditure form in advance of speaking with us will save you time and allow you to fully understand how much you are earning and spending on a monthly basis.
We have two different options for you to complete an Income & Expenditure form.
Completing an Income & Expenditure form Online:
You can complete the Income & Expenditure form online by downloading it here and filling it out. We recommend that you print it off and then fill it out by hand if you are unable to on your device. Then, please take a photo of the form or scan it, and send it by email to email@example.com prior to contacting us.
Once completed Get in Touch with our team using our Live Chat or call us.
Completing an Income & Expenditure form on Phone or Chat:
We understand it can be difficult to fill forms out online, so if you require any assistance, we can also take you through the Income & Expenditure process on our Live Chat or over the phone. Please see the Get in Touch section for contact information.
Debt Management Companies
Are you worried about multiple debts?
Often, debt management companies can help reduce the burden on you. However, some companies may charge you for their services. If you decide to use a Debt Management Company, we are happy to work with them.
If you’re considering using a Debt Management Company, we strongly recommend you reach out to a free advice service, like StepChange or others we have referred to in the Useful Services section.
For free, unbiased and easy-to-access money tools, information and advice,
England and Wales: moneyhelper.org.uk
Debt Advice NI
Independent Debt and Money advice for those living in Northern Ireland.
A charity that gives free and independent debt advice over the phone and online for those living in England, Wales or Scotland. Visit nationaldebtline.co.uk
For advice and information on debt and other topics, visit your local Citizens Advice Bureau or go to : citizensadvice.org.uk/debt-and-money/
StepChange Debt Charity
A debt management charity that can offer free support or advice to people across the UK. They can assist people with multiple debts to arrange payment solutions. Visit stepchange.org
Civil Legal Advice
You may get legal aid if your home is at risk. Check at gov.uk/legal-aid
Financial Ombudsman Service
If you have a complaint that you can’t resolve with your lender, the Financial Ombudsman Service may be able to help.Visit financial-ombudsman.org.uk
The Samaritans is a registered charity aimed at providing emotional support to anyone in emotional distress. samaritans.org
American Express Services Europe Limited
1 John Street
East Sussex, BN88 1NH