In addition to discussing your payment difficulties with us, you may also want to discuss your situation with a professional advisor such as a debt counsellor or a lawyer. There are also many sources of free and independent debt advice available to consumers from well-regarded charities and other organisations. Details of some of these organisations are given below:

Please be aware that some companies target borrowers who are experiencing payment difficulties in order to make money. Many of these companies charge high fees in return for a promise to “halve your debts” or something similar. In reality many of these companies provide little or no benefit to the customer and may charge you high fees as well. If you are experiencing payment difficulties please contact us to discuss your loan and the options that may be available to you. Alternatively you can contact one of the organisations above that specialises in providing free advice to consumers.

Please be wary of any business that:

• Charges a fee for services such as communicating with Engage Credit on your behalf

• Guarantees to reduce your debt or help you to avoid liability for any shortfall

• Instructs you not to contact Engage Credit

• Suggests that you make your mortgage payments to anyone other than Engage Credit

• Offers to fill out paperwork for you and asks you to sign documents that you do not understand

• Asks you to surrender your property