If you require further information you may find the following internet links useful.
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Consumer Credit Counselling Service
The CCCS is a registered charity which aims to assist people who are in financial difficulty by providing free, independent, impartial and realistic advice.
The CCCS freephone helpline is open from 0800 BST to 2000 GMT Monday to Friday.
Tel: 0800 138 1111
Citizens Advice provides free, confidential, and independent advice from over 3,200 locations.
Advice is available face-to-face, by telephone, and sometimes by e-mail. Most bureaux offer home visits.
National Debtline is a national telephone helpline for people with debt problems in England, Scotland and Wales. The service is free, confidential and independent.
Helpline: 0808 808 4000
Payplan provides free confidential advice for anyone with a debt problem.
If a debt management plan is the best solution for you, Payplan can put together a plan to take the pressure off you.
Tel: 0800 917 7823
Paying by debit or credit card
The Pension Service helpline: 0845 60 60 265
The Pensions Advisory Service: helpline 0845 601 2923
Help the Aged SeniorLine: 0808 800 6565.
Textphone-Minicom: 0800 26 96 26
Seniorline in Northern Ireland: 0808 808 7575
Age Concern Information Line: 0800 00 99 66