Getting independent advice
If you prefer, you can get independent advice from a local advice agency, see below for some examples. Advice agencies have extensive experience of dealing with a range of debt problems and will be able to advise you on your rights and the benefits you're entitled to.
Citizens Advice
Check your local directory for address & telephone number
https://www.citizensadvice.org.uk/
Community Legal Advice
0345 345 4345
http://www.communitylegaladvice.org.uk/
National Debtline
0808 808 4000
StepChange Debt Charity
0800 138 1111