The cost of changing your will vary from provider to provider... One of the reasons that loan have lower monthly payments is because they are spread over a longer period of time... They argue that it is predictable that a certain proportion of borrowers will want to settle early so this could be factored into the original offer... http://www.loans-in-uk.co.uk/loans
If you really haven't been able to repay your debts, you may receive a summons (or a writ, if you live in Scotland)... It is the lender, not the agency, who makes the decision about giving you credit... Our surveys showed that consumers do not generally shop around, whether to compare providers or to compare products... http://www.loans-companies-uk.co.uk/loans