Absolutely no help at all

I have a substantial loan with this company secured against my home , unfortunately I was ill health retired a few years ago so this loan has become unbearable, I am in a position now to pay off half the loan and try and reduce my debt along with my unsustainable monthly outgoings, they have said they will accept the monies with interest applied but will not reduce my monthly payment just the term of the loan leaving me with no liquid capital and the same extortionately high repayments. Another gripe I have is that my loan was taken out at 6.8% and I am now paying 8% even with historically low bank of England rates .. these people need to be scrutinised as they are making money out of misery, I want to pay and reduce my debt they are making it impossible to escape.
I wish as with all cases agreements like this had to be certified by a solicitor even if the solicitors fees were added to the loan its all right reading agreements interpreting them is quite something else.