Specialist advice may be needed which cannot be obtained from your lender or you might want to seek independent advice about the best course of action for you.
Organisations that can help you with your money problems
They produce useful information for borrowers in difficulty.
Can help with money and housing problems. Further contact details can be found on the website
Charity offering free, confidential advice including a comprehensive website section on mortgage arrears.
Housing charity offering a comprehensive source of advice and information in housing, including avoiding repossession.
Free confidential advice on debt problems.
Provides free advice on debt management. It has a free national helpline and eight advice centres around the UK.
Free confidential support and advice for anyone worried about loans, credit and debt. Advice is available online or via a free telephone helpline.
Organisations that can help with legal advice
The helpline (0845 345 4 345) can provide callers with general housing advice as well as specialist advice for those who are eligible for legal aid.
Law Centres are independent, and employ lawyers and specialist advisers to assist and represent clients in court.