If your financial circumstances change and you are having difficulty making your monthly loan repayments you should speak to your loan provider as soon as possible. If you ignore the issue it will only get worse and if you reach the stage where your monthly loan payment is bounced by your bank it will cost you £25 - £30 in charges and will have a detrimental impact on your credit history. If you find yourself with financial issues and are unable to come to a satisfactory agreement with your lender, you should seek free independent help from any of the following organisations: Citizens Advice Bureau http://www.citizensadvice.org.uk/index/getadvice.htm, The Consumer Credit Counselling Service http://www.cccs.co.uk/ or National Debtline http://www.nationaldebtline.co.uk/.

The worst thing you can do is to try and ignore the situation, and the earlier you make an effort to resolve your financial problems, the easier and less painful it will be in the long run.