If you’re having financial difficulties you can look for free advice from a charitable debt management organisation such as;
Citizens Advise Bureau (CAB)
Consumer Credit Counselling Service (CCCS)
National Debt Line
These organisations will help you assess your financial situation to see what you can afford and also help you fill out a common financial statement. This financial statement should then be submitted, together with a proposed offer of repayment to:
Arrears Management Department
Polestar Finance86 Station Road
Surrey, RH1 1SR.