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:
This organisation provides free, independent and confidential advice about debt. You can contact them over the telephone, by e-mail or letter.
Telephone: 0808 808 4000 (Monday to Friday 9am to 8pm and Saturday 9.30am to 1pm)
Email via website: www.nationaldebtline.org/EW/Pages/Email-us-for-Advice.aspx
StepChange provide free, confidential advice and support to anyone worried about debt. You can contact them over the telephone or online.
Telephone: 0800 138 1111 (Monday to Friday 8am to 8pm and Saturday 8am to 4pm)
Email via website: www.stepchange.org/Contactus/Sendusanemail.aspx
If you got 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 money you have spent on it. This is called “ratifying” the borrowing facility.