I can not thank Allan enough for all his help. He is genuinely an angel in disguise . The most kind and compassionate person I think I’ve spoken to in a long time . He has no judgement of your circumstances and is only there to help . My money worries happened from the first lockdown with a big reduction in wages which lead to more credit use then it spiralled from there . The monthly payments now from what I was paying means I don’t have to stress out about paying my way anymore and actually being able to not stress about money for the first time in years is great. If you lie awake every night worrying about money like I did, don’t! contact Allan he will be able to help you out