If you wish to take independent advice, the following organizations may be able to assist you:
Citizen's Advice Bureau (CAB)
Helps people resolve legal, money and other problems by providing, free face-to-face, information and advice in your community.
Step Change (CCCS)
A registered charity offering free, confidential advice and support, online or over the telephone, to
anyone who is worried about debt. Please call 0800 138 1111 between 8am - 8pm Monday to Friday.