Unfortunately I can't advise on your situation but just wanted to say that you're not alone in having a bad experience on MoneySavingExpert forum! I wouldn't use it again after receiving rudeness and hostility when I asked for advice to help a family member and I've seen others treated the same way :(
I never going on that site again. I will worn others about that site.
I also went on the site. Didn't post a question but some of the regular posters (those replying) seemed to be people who have never have had problems managing their money and are rude and patronising to those that do. They really need to find something better to do than going on a forum to make people feel even worse regarding their money worries.