The first thing to remember is to talk to your loan provider as soon as you feel yourself struggling with your UK loans repayments. The sooner you talk to your UK secured loan provider about any difficulties you might be experiencing, the more likely they are to be sympathetic to you and your situation. If you make your secured loan provider aware of your situation before it gets too bad then arrangements can often be made to help you deal with your problems effectively. Usually UK secured loan providers will be able to make arrangements for you to make under-payments until you get back on your feet again. Make are you are fully aware of the penalties they may impose.

There are also a number of voluntary organisations in the UK, which can provide free and confidential advice to those who are suffering from debt problems. Their contact details are listed below.

• Citizens Advice Bureau. The CAB website provides information on how to contact your local office as well as details about the service they provide.
• The Consumer Credit Counselling Service. Visit the website or telephone the hotline of this registered charity on 0800 138 1111.
• Debt Questions. This useful website provides free and objective information and debt advice to individuals in the UK.
• Debt Clinic. Debt problems? Visit the website or simply telephone 0800 716239.
• National Debt Line. Telephone their free hotline on 0800 808 4000.