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• 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

• Problems with an insurance claim

  Contacting your insurer about a problem with your claim and when to use the Financial Ombudsman Service to resolve a complaint with your insurer

• No money to pay non-priority creditors - letter

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

• Debt management plans - what you need to know

  Introduction to debt management plans, explaining what they are, how they work and who can get one

• Make an offer to non-priority creditors - letter

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

• 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

• 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

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

  Letter to ask creditors to hold off for a short period while you make a plan to pay your debts or get advice