Fresh Start Debt Support
Worried about Barclays debt? Whether it’s a credit card in persistent debt, an overdraft that never clears, or a personal loan that’s fallen behind, you’re not on your own. At Fresh Start Debt Support we help you stabilise essentials, understand your rights, and choose a realistic route—often a single affordable payment that fits your life.
This page explains how Barclays typically handles arrears, what to do if you’ve had letters or calls (or a third-party collector has contacted you), and how options like a Debt Management Plan (DMP), IVA or DRO could help. You’ll also see how Breathing Space can pause most enforcement while your plan is set up.
Start My Free Barclays Debt CheckPrefer to compare first? See Compare Solutions and try our Debt Calculator for a quick affordability sense-check.
When budgets are tight, payments toward credit cards or overdrafts can come at the cost of rent, energy or council tax. We flip the order: protect essentials first, then make one fair offer for non-priority debts—including Barclays—so your plan can actually last.
If you’ve missed payments, you might see reminders by text, email or letter. If arrears build, accounts can be moved to internal collections or passed/sold to a third-party agency. If you’ve heard from a collector already, jump to the collectors section below and use our guides like Stop Debt Collectors and What is debt collection?.
One realistic, well-explained offer across all non-priority debts is more credible than scattered promises that change monthly.
Ask Us to Draft a Fair OfferWe build from the ground up: home, heat, light, and council tax. Once essentials are secured, we set a contribution for credit cards, overdrafts and loans—including Barclays.
Cards, loans, overdrafts, catalogues, even BNPL can be rolled into one affordable plan via DMP or a formal route like an IVA/DRO where eligible.
Where suitable, Breathing Space can pause most enforcement and interest while we organise your plan. We’ll explain what applies and what to expect.
Protect My Essentials FirstAn informal plan that pools your non-priority debts (e.g., Barclays card/loan/overdraft plus others) into a single monthly payment you can keep up. Many creditors reduce or freeze interest/charges, though this isn’t guaranteed. Flexible if income changes.
A formal, legally binding agreement based on affordability. If approved and completed successfully, remaining eligible unsecured debt can be written off. Strong protection from most creditor action. Stricter budget rules; variations possible if income changes.
For low income/low assets. Debts are usually frozen for 12 months and then written off if your situation doesn’t improve. Strict eligibility applies.
Not sure which route fits? Read Compare Solutions to see the differences clearly, then ask us for tailored guidance based on your numbers.
See If I Qualify for One PaymentIf you’ve had “persistent debt” warnings or your minimum doesn’t reduce the balance, don’t panic. We’ll help you set a fair offer that reflects your budget and reduces contact pressure.
Many people with a Barclays card also have an overdraft or a loan. One combined plan removes the “robbing Peter to pay Paul” loop.
Make a Fair Credit Card OfferOverdrafts often absorb salary/day-to-day funds, causing repeat reliance. We re-prioritise your budget so essentials are safe first, then split a fair amount across all non-priority debts (including the overdraft).
Read Bank Overdrafts for practical tactics that pair well with a DMP or formal solution.
Tackle My Overdraft the Smart WayLoan instalments can be tough after income shocks. Rather than promising catch-ups that collapse, we’ll help you make a budget-based offer that shows responsibility without risking your rent, energy or council tax.
Combine loans, cards, overdrafts, catalogues and BNPL such as Klarna into one plan so the numbers finally work.
Make a Sustainable Loan OfferIf your account is transferred or sold, you might hear from agencies. Stay calm—use our plain-English guides and channel all contact through your plan.
Read What is debt collection? and Stop Debt Collectors. Then let us turn your budget into a single, consistent offer that reduces the noise.
I’m Being Chased — Help Me RespondIf appropriate, the UK’s Breathing Space scheme can pause most enforcement and interest/charges on eligible debts while we complete your fact-find, agree a budget and choose a route (DMP/IVA/DRO). It gives you time to think and organise without the constant pressure.
You resume with a structured plan and calmer communication channels.
Check If I Qualify for Breathing SpaceMost people who come to us have multiple debts. Rolling them into one plan reduces overwhelm and helps you stick with it.
Fewer moving parts = fewer surprises. Your offers make sense and creditors see a disciplined, sustainable approach.
Roll My Debts into One PaymentSkim practical guides: Barclays, Compare Solutions, priority bills like Council Tax and Utilities, plus specific debts (Credit Card, Overdraft, Loan).
Share just enough so we can understand the picture and get in touch.
Fill In the Quick JotFormNo scripts, no judgement—just a friendly specialist focused on your best outcome.
We list every debt (guiding a free credit check if needed) and identify risks like council tax or housing arrears.
We map income and essential spend to set a single fair payment you can keep up. Try the Debt Calculator first if you like.
We walk through DMP, IVA, DRO pros/cons and pick the route that fits your goals.
Where appropriate, use Breathing Space and share our reference number with creditors while your plan is set up. We stay with you.
Begin Step 1 → Quick JotFormMany creditors reduce or freeze interest/charges on DMPs, but it’s not guaranteed. We make budget-based offers and provide context so your plan is credible.
Yes—if arrears persist, accounts can be passed or sold. If this happens, use our guides on debt collection and stopping collector pressure, and check the specific agency page (e.g., Lowell, Cabot, Moorcroft, Wescot, PRA Group).
Debt solutions can affect your credit file. For many people, stabilising the household, protecting essentials and stopping the spiral is the top priority. We’ll explain all trade-offs clearly first.
We’ll check if you qualify for Breathing Space and build a plan that’s realistic, with headroom. In some cases, a DRO may fit if you meet the criteria.
Channel everything through one offer and communicate consistently. Share our reference number, and where suitable, use Breathing Space to pause most enforcement while we organise your plan.
It depends on your income, assets and goals. An IVA can write off remaining eligible unsecured debt at successful completion, but it’s more formal. A DMP is flexible. Check Compare Solutions or ask us for tailored advice.
Yes—overdrafts can be included alongside cards and loans. Breaking the overdraft cycle is often a turning point.
Ask us directly and get a personalised answer in minutes.
Ask a Barclays Debt SpecialistOur goal is simple: fewer letters and calls, protected essentials, and a plan you can sleep on.
Start My Free Barclays Debt CheckWhen you’re ready, we’re ready—on your terms and timeline.
Speak to a Specialist