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)
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)
If you have a credit card that you can’t afford then you should stop using it. If you continue to use it this 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.