We understand that dealing with financial difficulties can be challenging, and it is important to have access to the right resources and support. If you feel that you would benefit from independent legal advice, you may wish to consider instructing a solicitor who can provide guidance on your specific situation. 

Additionally, there are several organisations that offer free independent legal and debt advice, including the Citizens' Advice Bureau, StepChange, Money Advice Trust, National Debtline, and the Debt Advice Foundation. These organisations can provide impartial and confidential guidance to help you understand your options and make informed decisions.

We want you to know that you are not alone, and we are committed to providing you with the support and resources you need to successfully manage your loan obligations. Please do not hesitate to reach out to us if you have any questions or concerns, and we will do our best to assist you.