Free help is available
If you got a loan when you lacked capacity, you should get advice as soon as possible. It is important to act quickly while there is still evidence of what happened.
You can contact:
National Debtline
This organisation provides free, independent and confidential advice about debt. You can contact them over the telephone, by e-mail or letter.
Address - National Debtline Tricorn House, 51-53 Hagley Road, Edgbaston, Birmingham B16 8TP
Telephone - 0808 808 4000 — Freephone
StepChange
StepChange provides free, confidential advice and support to anyone worried about debt. You can contact them over the telephone or online.
Telephone - 0800 138 1111
(Monday – Friday (8 a.m. – 8 p.m.) and Saturday (9 a.m. – 2 p.m.))If you have a credit card that you can’t afford, then you should stop using it. If you continue to use it, it is a way of agreeing to the credit card conditions. This means you may have to pay back the money you have spent on it. This is called “ratifying” the borrowing facility.
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