Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

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    If you are experiencing financial difficulty we will do our very best to help you, but you may also want to contact organisations offering free debt advice. We recommend that you contact the following organisations in the event of financial difficulties. All of these offer free advice and may be able to help you.

    • Citizens Advice Bureau – a network of local offices offering free, confidential independent advice – www.citizensadvice.org.uk (England, Wales and Northern Ireland), or www.cas.org.uk (Scotland)