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Advice needed on secured morgage


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Hi there just wondered if there is any advice out there ,my husband and i got a secured loan in january 2006,it was a consoidation loan,we had no ppi has my husband had medical problems and retired through ill health i didnt work at the time due to anxiety and depression ,our only income was benefits and my husband had a small ocupatinal pension,the money we borrowed was to pay sill debts we was charged a fee too .

the total ammount of loan was 30,684.81,we owe around 16000 now we are struggling with the payments and asked if i could lower them ,but was told we couldnt,could anyone tell me if we may have been missold this loan and what we should do thankyou

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