Guides

Financial difficulty

Working together to help you through your difficult time.

From time-to-time people’s situations can change, so if you have recently lost a job, are worried about debt, or struggling to make payments, we’re here to help.

Regardless of you circumstances, if you do get into financial difficulty, or if you are worried about your finances, it’s important that you let our Customer Service team know as soon as possible on 0345 607 6500* so they can take steps to help. We have also given the details of services that can provide you with professional and impartial debt advice.

Free and independent advice

The Money Advice Service
Free unbiased and easy-to-access money tools, information and advice:
England and Wales: moneyadviceservice.org.uk
Scotland: moneyadvicescotland.org.uk

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

National Debtline
National Debtline provide free and independent advice over the phone and online:
nationaldebtline.co.uk

StepChange Debt Charity
Confidential debt advice and debt solutions online or over the phone:
stepchange.org

Advice UK
Specialist advice for minority communities and people with disabilities:
adviceuk.org.uk

Legal Aid
Legal aid can help meet the costs of legal advice in a court or tribunal:
gov.uk/legal-aid

Additional support if you’re struggling financially

If you’re worried that you’re struggling with your finances you can obtain free, confidential and impartial debt advice from organisations such as Money Advice Service, StepChange Debt Charity and Citizens Advice. You may also find some useful independent resources using the links below.

The Money Advice Service
Money Navigator Tool
How to prioritise your debts

Financial Conduct Authority
Dealing with financial difficulties during the coronavirus pandemic

Other useful guides
Using your card online

Find out about changes being introduced to keep your online purchases secure.
Making a payment

Learn how to set up a Direct Debit or make an immediate debit card payment.
Activating your card

Simply make a chip & PIN transaction or activate through the Jaja app or online servicing.
Using your card

Get the most out of your credit card at home and abroad.
Register

Get helpful support on how to register and use your app and online service.
Adding a Cardholder

Add your partner, a family member or friend to your credit card account.
Updating your details

Learn how to change your personal details, account settings and preferences online and in the app.
Review your spending

Stay on top of your spending with visibility of every transaction.
Persistent debt

Let us talk you through your options based on your income and expenditure.
Financial difficulty

Working together to help you through your difficult time.
Brexit

What Brexit means for your account if you’re a Jaja Credit Card customer.

Need help?

Can’t see what you’re looking for? Find the help you need in our FAQs or speak to our Customer Support team on
0345 607 6500*

*0345 numbers may be part of the inclusive price plan provided by your phone operator, however please check before you call. Phone lines are open Monday to Friday 9am - 5pm (excluding bank holidays). Calls are recorded and may be monitored for security, quality control and training purposes.