UNWILLING TO HELP!

When you send them emails they do not respond, and when you call asking for help they blunt out refuse. When I had cash I made an advance payment to the loan account not knowing I would be employed not so long after that. Now I am behind and when I emailed and called asking if they can reduce my interest on the account so that I am able to get the account up to date they said NO. I know I sighed a fixed contract but I was out of work, They have no willingness to help people who still pay. Now I am forced to go into debt review to prevent them form handing me over.