Protect essentials → reduce contact pressure → move to one affordable payment (DMP · IVA · DRO) where suitable. Use Breathing Space to pause most enforcement while we set things up.
✅ Start Free NatWest CheckIf you’re worried about NatWest debt—a credit card you can’t shift, an overdraft that eats your salary, or a personal loan that’s fallen behind—you’re exactly where you need to be. At Fresh Start Debt Support we help you secure your essentials first, understand your options clearly, and bring everything into one affordable monthly payment where suitable.
On this page you’ll learn how NatWest typically approaches arrears, how to handle letters or calls (including if a third-party collector is now involved), and whether a Debt Management Plan (DMP), IVA or DRO could fit your situation. We’ll also explain when Breathing Space can pause most enforcement while we get your long-term plan in place.
Start Free CheckPrefer to compare first? See Compare Solutions and test an affordable figure in minutes with our Debt Calculator.
When money is tight, it’s natural to juggle card or loan payments ahead of essentials. We do the opposite: secure housing, energy and council tax first, then make one fair, consistent offer across non-priority debts (including NatWest). That’s how plans stick.
After missed payments you might receive reminders by text, email, app or post. If arrears continue, the account can move to internal collections or be passed/sold to a debt collector. If a collector is already involved, jump to NatWest & Debt Collectors and read Stop Debt Collectors plus What is debt collection?.
It’s consistent, realistic and defensible. Creditors prefer a credible plan over promises that collapse a month later.
Draft My OfferWe stabilise essentials first—keeping a roof overhead, the lights on and council tax current—then agree a fair contribution for NatWest and other non-priority debts.
Cards, loans, overdrafts, catalogues and BNPL can be combined into one plan via an informal DMP or a formal route like an IVA or DRO, if eligible.
Where appropriate, Breathing Space pauses most enforcement and interest on eligible debts while we complete your fact-find and set up your route.
Protect EssentialsInformal and flexible; based on what you can genuinely afford. Many creditors reduce or freeze interest/charges (not guaranteed). Great if you need adaptability and want to avoid formal insolvency.
Formal, legally binding. One affordable monthly payment; on successful completion, remaining eligible unsecured debt may be written off. Strong protection from most creditor action.
For low income/low assets. Debts are typically frozen for 12 months and then written off if your situation hasn’t improved. Strict eligibility applies.
See Compare Solutions for a side-by-side view, then ask us for a tailored recommendation using your numbers.
Check EligibilityIf your NatWest card is in “persistent debt” or minimums aren’t shrinking the balance, it’s time for a reset. We’ll help you set a budget-based offer that protects essentials and reduces contact pressure.
If you also have an overdraft or loan with NatWest, wrap them into the same plan for fewer moving parts and better control.
Fair Card OfferOverdrafts often take your wages the moment they land, forcing you to use the overdraft again. We help ring-fence essentials and treat the overdraft like other non-priority debts within a single plan.
See Bank Overdrafts for tactics that pair well with a DMP or formal route.
Fix My OverdraftLoan instalments can feel inflexible. Instead of short-term fixes, we help you make a budget-based offer that respects essentials and shows responsibility to NatWest and other creditors.
Bring loans, cards, overdrafts, catalogues and BNPL (e.g., Klarna) into a single plan so your budget finally works.
Sustainable OfferIf arrears persist, NatWest may pass or sell your account. If a collector contacts you, don’t panic—use our guides and route all contact through your plan.
We’ve also written about major firms to help you respond confidently:
Read the guides above, then let us translate your budget into a single, realistic offer to reduce the noise and stress.
Help Me RespondWhere suitable, the Breathing Space scheme can pause most enforcement and interest/charges on eligible debts while we complete your fact-find, stabilise essentials and choose your route (DMP/IVA/DRO).
You restart with structure, calm contact, and a plan you can maintain.
Check EligibilityMost clients don’t have just one debt. Combining everything into a single affordable payment reduces overwhelm and makes it easier to stay on track.
Fewer moving parts, fewer surprises—and stronger credibility with creditors because your plan mirrors real-world affordability.
Combine My DebtsBrowse this page plus NatWest, Compare Solutions, priority bills (Council Tax, Utilities) and specific debts (Credit Card, Overdraft, Loan).
Tell us the basics so we can understand your picture and reach you quickly.
Start Step 1No scripts or judgement—just a friendly specialist focused on your best outcome.
List every debt (we can guide a free credit check if you’re unsure) and flag urgent risks like housing or council tax.
Map income and essentials to set a fair monthly payment you can maintain. Try the Debt Calculator first if you prefer.
We walk you through DMP, IVA and DRO pros/cons and choose what fits your life and goals.
Where suitable, use Breathing Space; share our reference number with creditors while your plan is finalised. We stay with you.
Many creditors do reduce or freeze interest/charges on DMPs, but it isn’t guaranteed. We submit a clear, budget-based proposal and explain your circumstances to support the request.
Yes, that can happen if arrears persist. If it does, read What is debt collection? and Stop Debt Collectors, then check the relevant 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 comes first. We’ll explain the trade-offs clearly so you can choose with confidence.
We’ll check if Breathing Space is appropriate, then build a realistic plan with headroom. If you meet criteria, a DRO may also be an option.
It depends on income, assets and goals. An IVA can write off remaining eligible unsecured debt on successful completion, but it’s formal and structured. A DMP is more flexible. See Compare Solutions or ask us for tailored guidance.
Yes. Overdrafts, cards and loans can all be included in a single plan. Breaking the overdraft cycle is often the turning point.
Ask us directly and get a personalised answer in minutes.
Ask A SpecialistIf NatWest has sold or passed your account to a debt purchaser or agency, it usually happens after sustained arrears or loss of contact. Don’t panic—this is common. You can still make a budget-based offer and fold the account into a DMP or consider formal routes like an IVA or DRO if eligible. Focus on essentials, then make one fair, consistent payment across all non-priority debts. Read our debt collection guide and the specific collector page (e.g., Lowell, Cabot, Wescot).
Tip: Ask the purchaser for a statement of account and make sure they have the correct details. If affordability is tight, consider Breathing Space while we set things up.
Next StepsWith the same bank, money in your current account can sometimes be moved to cover arrears (called right of set-off). If your wages hit a NatWest account while you owe NatWest on cards, loans or overdraft, cash-flow can vanish instantly. We help you prioritise essentials and structure a plan that reduces this risk—then align a single payment across non-priority debts. Learn tactics in Bank Overdrafts and build a realistic offer via our Debt Calculator.
Fix Cash-FlowSome lenders (including NatWest) may offer a 30-day ‘breathing space’ when a not-for-profit adviser confirms you’re engaging with them. The government’s Debt Respite Scheme (Breathing Space) gives up to 60 days of legal protections where eligible, usually via a debt adviser. We’ll confirm which is right for you and use it to pause most enforcement while we finalise your route.
Read our guide: Breathing Space. Prioritise council tax, housing and utilities during any pause so the plan sticks.
Check My PauseStuck making minimums? That’s called persistent debt. We’ll help you shift from minimums to a fair, budgeted contribution—often through a DMP—and we’ll request freezes or reductions to interest/charges where possible (not guaranteed). Explore core tactics in Credit Card Debt and use the Debt Calculator to test a monthly figure you can keep.
Tackle Card DebtWhen fees and usage spiral, we stabilise essentials and convert chaotic overdraft usage into one planned payment alongside cards, loans, catalogues and BNPL. We’ll help you avoid day-one wipe-outs, set a single payment you can maintain, and deal with collector contact if your account is transferred.
See Bank Overdrafts and Stop Debt Collectors for immediate steps, then we’ll tailor a route (DMP/IVA/DRO).
Sort Overdrafts