What should you do guys If you can’t afford to pay Moorcroft?

If you can’t afford to pay, you need to tell Moorcroft. You may be able to come up with a realistic payment plan and timescale with them, or you may need to enlist the help of an external debt adviser. Don't make a plan that you can't afford, it can cause you a lot of problems in the long run and avoid putting yourself into further financial difficulties.

The right thing to do is here https://www.scottishtrustdeed.co.uk/...debt-recovery/