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Making a controlled goods agreement
to pay £25 a month after paying your other essential costs. Make sure you leave enough money to pay for essential things like food, rent, mortgage and energy bills. If you have time you could use
How a creditor can get information about your finances
of money you'd make if you sold your home after any mortgage or secured loans are paid off. If you do have equity, the creditor may think about applying to court for a charging order against your
Creditor takes money from your bank account
: copies of wage slips bank statements mortgage account details your rent book any other documents which show your financial situation. If other people in your family will be affected because your money
Negotiating your debt with bailiffs
after paying your other essential costs such as food, rent, mortgage and energy bills. Don’t offer to pay more than you can afford. You could make your situation worse if you can’t keep up with your
Income protection insurance
department will have details if this is the case whether you have some other kind of illness insurance combined with another insurance policy or with your mortgage which covers you for serious illness
Applying for family visas or indefinite leave
agreement a mortgage statement a letter from the owner - for example if you’re staying with your parents They'll usually need to upload a report or document to prove that where they'll live is safe
Check how council tax works and if you have to pay
legally re-possessed by a mortgage lender property unoccupied because the person who lived there now lives elsewhere because they need to be cared for, for example, in hospital, in a care home
Deciding what to do when you separate
or mortgage. Who to tell that you’ve separated If you pay council tax, you should tell your local council - you’ll pay less if you live on your own. You’ll also need to tell your local council you’ve
Check if you can increase your income
as a source of income. There are things you should check before renting out a room including: if you need permission from your landlord or mortgage lender how any extra income might affect the benefits
Getting a lodger
a condition in your tenancy agreement that says you can’t If you own your home Check your mortgage contract. It will usually say you need your lender's permission before renting out all or part