Hi Lauchlan, Thank you for your enquiry. Trust Deed Scotland may be able to reduce your monthly payments and even write off some of your debt. Our non-judgemental, confidential advice is without obligation. After speaking to us, you will know what your options are & what your new reduced monthly payments could be. The office is closed now, but we're open again tomorrow at 09:00. If you'd like a call on a day/time that suits you, just reply to this message & let us know. Our Debt Solutions guide: cutt.ly/tds_debtguide Regards Trust Deed Scotland trustdeedscotland.net 01412210999