Dealing with money worries is never an easy task. But simply ignoring the situation and hoping everything gets better is never the answer. If you find you’re having difficulty meeting your monthly Virgin Money Credit Card payments, here are some steps to help you get back on track.
- Take a fresh look at your budget. If you can see what’s coming in and going out on a monthly basis, you’ll have a better understanding of your finances. To help with this we’ve provided a monthly budget form, so you can track your income and expenses.
- Prioritise your spending. The debts you should pay first are called priority debits. These aren't necessarily the largest debts or the debts with the highest interest rate. For more information on prioritising your debits visit the MoneyHelper Link opens in a new window.
- Talk to us. We understand speaking to anyone about financial worries can be difficult. We’re here to help and work with you to ensure the best possible outcome. Don’t put off talking to us until the situation gets out of hand. The sooner we hear from you, the quicker we can work with you to get you back on your feet.
Budget planner
We can help you work out a budget by adding up your monthly bills and looking at other financial commitments. By thinking about everything from gas and electricity bills, to big one-off purchases such as holidays or appliances for the home, you should have a better idea of what you can and can't afford.
If you are having financial difficulties and struggling to make your payments please contact us.
You may want to discuss your situation with a professional adviser, such as a debt counsellor or a lawyer. The details below may help you find the free, independent and impartial advice you need:
National Debtline
- Phone: 0808 808 4000 www.nationaldebtline.co.uk Link opens in a new window
- For those struggling with debt. Get a free debt advice pack that includes guidance on personal budgeting as well as answering legal questions connected with debt.
StepChange Debt Charity
- Phone: 0800 138 1111
- http://www.stepchange.org/ Link opens in a new window
- Anonymous advice. Fee-free debt management plans and other solutions.
Citizens Advice Bureau
- Phone: Call Local Office
- www.citizensadvice.org.uk Link opens in a new window
- Free, confidential and impartial advice on a wide range of debt and benefits issues.
Citizens Advice Scotland
- Phone: 0131 550 1000
- https://www.cas.org.uk/ Link opens in a new window
- Free, confidential and impartial advice on a wide range of debt and benefits issues.
Payplan
- Phone: 0800 280 2816
- www.payplan.co.uk Link opens in a new window
- Get a free debt management plan.
MoneyHelper
- www.moneyhelper.org.uk Link opens in a new window
- Independent service set up by the government giving free, impartial money advice to UK citizens.
Call charges and information
| Phone number | Call charges and information |
|---|---|
| 03 numbers | Same as calls to 01 or 02 numbers and they are included in inclusive minutes and discount schemes in the same way. |
| 084 numbers | Maximum of 7p per minute, plus your phone company's access charge. |
| 087 numbers | Maximum of 13p per minute, plus your phone company's access charge. |
| 0800 numbers | Free from UK landlines and personal mobile phones. |
Calls may be recorded for training and quality purposes.