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Financial Hardship

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.

If someone close to you has recently passed away, we’ll do everything we can to ease the burden. Whether you’re worried about your financial situation or simply need to inform us, we’re here to help.

Your situation 
 

Has someone close to you recently passed away?

 

Has this made it difficult to manage your financial situation?

 

Are you worried about making payments to American Express?

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 the next steps.
  • The benefits and downsides of payment plans so that you can make the best decision for your situation.
  • Additional useful services like your local Citizens’ Advice Bureau that you can use to get free and impartial advice on your financial situation. 


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

If you have been diagnosed with a long-term physical or mental health condition, and you’re concerned about the effect your illness may have on your financial situation, talk to us about it.

Your situation

Have you been diagnosed with a  long-term physical or mental health condition?

 

Are you unable to work due to your condition?

 

Has your illness made it difficult to manage your financial situation?

 

Are you worried about your debt?

How we can help


We can help reduce some of the pressure you may be feeling, by discussing:

  • How to best manage your financial situation and any support we're able to provide
  • Additional useful services, like StepChange Debt Charity that you can use to get advice on your financial situation

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

If you’re having difficulty repaying multiple debts, you may want to contact a Debt Management Company.

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’re 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 the ones we have provided in the Useful Links section below.

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
between 8am and 6pm, Monday to Friday. 

 

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 

Useful Services:

 

Money Advice Service 

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

England and Wales: visit moneyadviceservice.org.uk 

Scotland: visit moneyadvicescotland.org.uk 

 

Debt Action - Advice NI 

If you live in Northern Ireland, visit debtaction-ni.net 

 

Citizens Advice 

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

 

National Debtline 

If you live in England, Wales or Scotland, visit nationaldebtline.co.uk

 

StepChange Debt Charity 

For debt advice throughout the UK , visit stepchange.org

 

Advice UK 

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

 

Christians Against Poverty (CAP) 

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