The support and intervention I got from HMAC saved me from total despair. When I could no longer repay my loans due to change in working circumstances and knew of no other alternatives, the banks referred my case to external debt collectors. This led to much anguish, worry and feelings of failure. I could no longer manage my finances. My outgoings were more than my income and I found myself relying on family to keep afloat.
This all changed when I found HMAC. Richard and his amazing staff were so understanding and sympathetic to my situation. They took over communication with the debt collectors and arranged a manageable repayment plan after they helped me to calculate my expenses.
I am now debt free after seven long years of trying to repay what I owed. Without help from HMAC I doubt that I could have got through that time without having a breakdown. Words cannot express how thankful I am to HMAC. The work they do is life-changing!