American ExpressAmerican ExpressAmerican ExpressAmerican ExpressAmerican Express
United KingdomChange Country

Financial Hardship | American Express UK

Life doesn’t always go according to plan, and when you face difficult times we are here to offer support. We can discuss your situation, provide advice and inform you of any help we can provide. We can also suggest appropriate services that can give expert advice.

If you, or someone in your household, have recently lost a job, you’re worried about multiple debts, or you’re struggling to make payments, we’re here to help.

Your situation

Have you or someone in your household lost your job recently?


Has the income situation of someone you are financially dependent on changed?


Is supporting your family from a single income causing you to struggle financially?


Are you struggling or feeling stressed about making your payments?

How we can help


We can work together to help you through this difficult time by discussing:

  • Your income and expenditure and provide advice on next steps.
  • The benefits and downsides of payment plans so that you can make the best decision for your situation.
  • Additional useful services, like the National Debtline, that you can use to get advice on your financial situation.
  • How your situation could affect your Credit File.


If your situation sounds similar, please contact us at your earliest convenience.

Contact Us 


If you feel you have a similar circumstance to the above, please contact us as soon as possible and we can help provide you with further assistance. 

Telephone us:


Our team of specialists are available

Mon-Fri 8am-9pm

Saturday 9am-9pm

Sunday 10am-6pm 


Tel: 01273 576458 

Free phone: 0800 876 6019 

Fax: 01273 341703

Write to us:


American Express Services Europe
Limited  Financial Difficulties 
1 John Street 
Brighton East Sussex, BN88 1NH 

                     Mon-Fri 8am-9pm                      

                   Saturday 9am-9pm                   

Sunday 10am-6pm

Useful Services:


Money Advice Service 

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

England and Wales: visit 

Scotland: visit 


Debt Action - Advice NI 

If you live in Northern Ireland, visit 


Citizens Advice 

For advice and information on debt and other topics, visit your local Citizens Advice Bureau or go to


National Debtline 

If you live in England, Wales or Scotland, visit


StepChange Debt Charity 

For debt advice throughout the UK , visit


Advice UK 

Member centres offer debt advice including specialist advice for minority communities and people with disabilities. Visit


Christians Against Poverty (CAP) 

For free debt advice in your home, check post code coverage at 


Civil Legal Advice 

You may get legal aid if your home is at risk. Check at 


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