If you are experiencing financial difficulties, we urge you to contact us so that we can gain an understanding of your current situation and consider the most appropriate action to take. Additionally, the following organisations can provide independent advice and free debt counselling.

www.stepchange.org Tel: 0800 138 1111
www.payplan.com Tel: 0800 280 2816
www.capuk.org Tel: 01274 760720
www.nationaldebtline.org Tel: 0808 808 4000
www.moneyadviceservice.org.uk Tel: 0800 138 7777
www.citizensadvice.org.uk Tel: 03444 111 444 (England) 03444 77 20 20 (Wales)

This template can be used to assist you in establishing your current income and expenditure. Please take the time to go through the figures you've listed and work out what installment payments you can realistically offer and then advise us accordingly.