Money worries

HSBC UK
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Money worries

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Many of us find ourselves financially stretched from time to time. Often things can get back to normal but if you don't act as soon as you know there's a real problem, your debts could get worse. That's why we're here to help you find the right solution to your individual financial difficulties.

How we can help you find a solution

If you think you might not be able to make a repayment, or have already missed a payment, you can discuss your options with us.

Taking control of your finances

If you feel you're losing control of your finances, there are some practical steps you can follow.

Managing mortgage payments

We can talk about the payment options available to you and help you with a plan to deal with any payment problems and arrears.

Financial and domestic abuse

Learn about financial and other forms of domestic abuse and get help if you've been affected by it.

Banking Basics

We’re constantly looking for ways to make banking with us easier and more accessible, so we’ve created this guide to help. Our Banking Basics guide may be especially useful to customers with Alzheimer’s and Dementia, with learning difficulties or for those who English is a second language. It explains what some of our accounts and services are and do, and how to complete transactions in HSBC UK branches such as paying in cash and cheques, making payments and using your debit card in shops.

Think carefully before securing other debts against your home.
Your home may be repossessed if you do not keep up repayments on your mortgage.

Income and expenditure form

If you wish to complete your Income and expenditure form online today, please use the relevant link below to access the form.

Please note, this is not a budgeting form and should only be completed if you are in financial difficulty.

If you are unable to keep up with your current contractual repayments or you think that you will not be able to make future repayments and believe you are in ﬁnancial diﬃculty, then you should complete this form.

However, if you are able to comfortably rectify your account in the next 30 days (i.e. pay any missed payments and/or overdue balance) then you should not need to complete this form.

Please note: if you have completed an income and expenditure form with us in the past 6 months, and your ﬁnancial situation has not changed then you should not need to complete this form again. If this applies to you and you still wish to discuss your situation please contact us.

This form consists of a series of questions about your income and outgoings (such as salary, mortgage payment, rent etc) in order to assess your aﬀordability in repaying your debt by establishing your monthly disposable income. It should take you 15-20 minutes to complete.

This form starts by helping you pinpoint where you spend your money and showing you where you can, potentially, make savings. When you have completed the form, you need to call us and our specialist advisor will assess the information provided and establish if there is a solution which best ﬁts your current circumstances.

You will need to give a detailed overview of your income and outgoings by answering our questions as accurately as possible.

Please have access to the following:

bank statements/online banking access
income (payslips, beneﬁts, pension, other income)
household bills and travel costs
accounts help with other banks/creditors

Once you complete and submit the form, we will need you to call one of our specialist advisors who will be able to help you further. You will also be able to print or save the form.

Please note: If a debt management company is acting on your behalf, you do not need to ﬁll in this form. If you wish to complete an income and expenditure form online, please use the Log on to online banking button below. Here you can login and then be taken to complete the form.

Log on to Online Banking

Frequently Asked Questions

If you have already missed a payment, or are worried you may miss one in the future, please call our UK-based team of specialists on 0800 085 2482 to discuss your options.

Lines are open 08:00 to 18:00 Monday to Friday and 08:00 to 16:00 on Saturday (excluding Christmas Day, Boxing Day and New Year's Day). We may monitor or record calls.

We will use the information you give us in order to ensure any lending decisions we make are in your best interest. Rest assured, we will never divulge any confidential information you give us to other companies.

No. There will be no impact on the information held about you, unless you miss a repayment on your mortgage, personal loan or credit card.

Find help

How we can help you find a solution

Taking control of your finances

Managing mortgage payments

Financial and domestic abuse

Banking Basics

Income and expenditure form

Do I need to complete this form?

What is it?

How does it help me?

What do I need to do?

What happens next?

Frequently Asked Questions

I am struggling with my finances, who can I talk to?

Will the information I give you over the phone count against me in any way or will it be treated in confidence?

Will coronavirus affect the information held about me by UK credit reference agencies?

I have received a letter on Credit Card persistent debt. Where can I find more information?

Customer support