Chwilio

• Guidelines for using the letter templates

  Guide on using sample letters to creditors. We've created a set of letter templates which you can use to write to your non-priority creditors

• Using early conciliation

  Find out when you must use early conciliation, what it involves and how it affects the time limit for making an employment tribunal claim

• Creditors still contacting you - debt management plans

  Explains why creditors may still contact you while a debt management plan is in place and what to do if a creditor is harassing you

• Payday loans

  How payday loans work, including continuous payment authority, stopping payments, extending the loan and alternatives to payday loans

• Claiming compensation from Royal Mail

  Check how to claim compensation for lost, damaged or delayed post and parcels. Check how much you should get and how much time you have to make a claim

• If your post or parcel has been lost, damaged or delayed

  Check if you can get compensation and how to make a complaint. Find out what to do if an important document was lost in the post or if your parcel was stolen

• If you're offered housing because you're homeless

  Check what kind of accommodation the council is offering. Check if it's suitable for you to live in, and what you can do if it isn't suitable

• Using mediation to help you separate

  Mediation is a cost-effective way of sorting any differences you have with your ex-partner when you separate. Find out more about mediation