Financial Hardship | American Express UK

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.

Mon-Fri 7am-9pm

Saturday 9am-6pm

Sunday 10am-6pm

Start Chat

Mon-Fri 8am-9pm

Saturday 9am-6pm

Sunday 10am-6pm

Tel: 01273 576458

Free Phone: 0800 876 6019

Has something in your life changed meaning you are unable to make payments?
Have you or someone in your household lost your job recently?
Has there been a change in income for someone you financially depend upon?
Are you struggling or feeling stressed about making your payments?
Are you worried about your debt(s)?
Is your ability to pay your bills impacted by the recent rise in cost of living and energy prices?

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 financialdifficultiesuk@aexp.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.

Below you’ll find a list of useful services:

MoneyHelper

For free, unbiased and easy-to-access money tools, information and advice,

England and Wales: moneyhelper.org.uk

Scotland: moneyadvicescotland.org.uk

Debt Advice NI

Independent Debt and Money advice for those living in Northern Ireland.

Visit adviceni.net/money-debt

National Debtline

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

Citizens Advice

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

The Samaritans is a registered charity aimed at providing emotional support to anyone in emotional distress. samaritans.org