Creditor, lender or debt-collection entity

Barclays

Independent information on Barclays Bank UK PLC, missed payments, arrears support, complaints and what to check before agreeing a repayment arrangement.

If you have missed a Barclays or Barclaycard payment, contact Barclays through its current official support routes and explain your financial position before the arrears increase. Barclays publishes separate support for current-account, loan, overdraft and Barclaycard payment difficulties.

What role does Barclays have?

Original creditor

The company contacting you is not necessarily the company that legally owns the debt. Check the original creditor, current owner and the role stated on your latest correspondence.

Legal identity and regulatory position

Barclays Bank UK PLC is a UK retail bank, company number 09740322. The FCA identifies Barclays Bank UK PLC under firm reference number 759676.

Barclays Bank UK PLC is authorised and regulated for its UK banking activities under FCA firm reference number 759676.

Contacting Barclays

Use Barclays’ official app, website or the contact details on current correspondence. Different teams handle current-account, loan, overdraft and Barclaycard arrears.

If you want to complain

If you are unhappy with the handling of arrears or another banking issue, use Barclays’ current official complaints route and keep copies of the complaint and final response.

What to check before paying or agreeing a plan

  • Confirm the account reference and original creditor match your records.
  • Check whether the company says it owns the debt or is collecting for another organisation.
  • If you do not recognise the debt, ask for clarification before making a payment or admitting liability.
  • Keep copies of letters, emails, payment offers and complaint correspondence.
  • Do not agree to a repayment amount that is not affordable alongside priority household bills.

Related guidance

Important: YourFinances.co.uk is not affiliated with Barclays. This page provides general information and does not confirm that any debt is valid, enforceable or owed by a particular person.