^^^ this

I worked in a Bank a while back. They are not monsters. Talk to them. There will be loads that can be done if you're in trouble - payment holidays, re-scheduling debt etc.

They'd much rather have a customer that engages with them (and pays them back eventually) than someone that ends up defaulting on a loan/mortgage.

StepChange etc are good.

Stay away from pay day loans if you at all can.

Posted By: CWC, Jan 19, 13:53:21