Contact the lender before the payment is missed if you can. Under UK guidance they should consider reduced payments, a payment holiday or a longer term where affordable.
Don't be tempted to cover the loan with another credit card or a new loan — this almost always makes the total debt worse. A written income and expenditure form gives the lender a realistic starting point.
If several debts are affected, a single conversation with a debt help team member is usually more productive than negotiating one lender at a time.
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