Chwilio

• Changing debt management plan provider

  Things to think about if you want to switch debt management plan providers, including reasons for switching, the process and problems changing providers may cause

• Backdated water bills

  What is likely to happen if water companies pursue households for the payment of water bills if they have not been paid in the past for whatever reason and what you can do about

• No money to pay non-priority creditors - letter

  Letter for when you have no money available to offer to your non-priority creditors

• Make an offer to non-priority creditors - letter

  Letter for when you have some money available to offer your non-priority creditors

• No money to pay non-priority creditors - joint letter

  Joint letter template for when you have no money available to offer to your non-priority creditors. This template is to be used for guidance

• Changing to a water meter

  Your right to have a water meter installed and the pros and cons of switching to a meter and be charged for actual water usage compared to being charged based on the rateable value of the property

• Ask non-priority creditors to hold off - joint holding letter

  You can use this letter to ask creditors to hold off for a short period while you work out your budget or get advice. This template is to be used for guidance.

• If your local council discriminates against you

  Check what you can do if you’ve been discriminated against by a public authority - including if you need to take your local council to court