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Support with your finances during tough times

If a life event or an ongoing condition is affecting your day-to-day life, let us know early on so we can help with your finances.

The sooner you get in touch the better

  1. First, we listen

    We'll take time to hear about your situation and to make sure we understand things. Think of it as judgement-free listening and we won't pry or push for more than you care to share.

  2. Then, we guide

    There's no one-size-fits-all approach. Based on what you tell us, we'll try to help with your finances in the best way we can.

Whatever your situation, we can try to help manage your account

It's OK if you don't see something listed. Get in touch and we'll see what we can do to help. No stigma and no judgment attached.

Challenging times

Life can throw up all kinds of events that affect your finances, from your work to your family to your home.

For example:

  • Loss of income
  • Unemployment or changes at work
  • Bereavement
  • Illness in the family
  • Divorce or relationship trouble

Mental and physical health

Stress, anxiety, memory problems and many more mental and physical health issues can affect the way you run your account.

For example:

  • Stress, anxiety and depression
  • Eyesight or hearing conditions
  • Addiction
  • Mobility or dexterity conditions
  • Social or behavioural issues

Money management

Getting in touch about money worries early beats hoping and waiting to see if things improve.

For example:

  • Learning or concentration issues leading to money difficulties
  • Lacking financial confidence
  • Trouble budgeting
  • Missing payments
  • Going over your credit limit

1 in 4 people will experience a mental health problem of some kind each year

In the words of our customers

  • I was putting off the call, but my stress was put at ease very soon. I would not hesitate again to call for anything.

  • I was very scared to make the call as I was having problems with my account payments. The agent was reassuring and helpful. I wish I had called sooner!

    The man I spoke to was sympathetic... He was very professional but still friendly and managed to sort out my problem.

  • She was not only friendly and professional in the way in which she dealt with me, but she showed genuine empathy and compassion for my situation, taking the time to listen and offer advice.

What to do when life takes an unexpected turn

The help and support you need is there for you if you ask for it. So, please do so. Keep Capital One up to date with any changes in personal circumstances that may affect your payments. If you’d like further support, here are just some of the many dedicated charities and organisations that can help make your life easier.

Long-term illness

Macmillanopens in a new tab can help if you’re struggling with cancer.

The Alzheimer’s Societyopens in a new tab specialise in caring for people with dementia.

Mindopens in a new tab will help you cope if you or a relative is affected by mental illness.

Death and bereavement

If you’re dealing with a bereavement, Age UKopens in a new tab or The Samaritansopens in a new tab could give you the right support.

Age UK offers a free guide with step-by-step advice on what to do when someone dies, including how to register the death and guidance on arranging the funeral.

The Samaritans have 24/7 phone lines you can call for free if you need someone to talk to.

Separation and divorce

If you’re going through personal struggles, you can call, email or write to The Samaritansopens in a new tab 24 hours a day, 365 days a year. They will listen to you without judgment.

Citizens Adviceopens in a new tab can provide advice on things like sorting out money and making agreements about your children during and after your separation.

Power of attorney

At some point, you may want to consider getting some support in managing your finances, or doing so for someone else who is vulnerable. Setting up a power attorney can allow someone to make decisions about your finances and act on your behalf.

Talking to Citizen’s Adviceopens in a new tab, a solicitor or one of the above organisations could help you arrange getting power of attorney.

Disclaimer: Capital One takes no responsibility for content that appears on websites outside of owned properties, the content is appropriate and intended to offer support at the time this article was published.

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Call us

To speak with us about how we can help, call 0800 952 4966