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• Check the costs of starting to rent from a private landlord

  Check what payments you need to make before you start renting. Get help if you can't pay a tenancy deposit or rent in advance

• If you’re struggling to pay your phone, internet or TV bill

  Check what help providers can give you if you can’t afford to pay your bill - like offering a payment plan or switching you to a social tariff contract.

• Travelling in Europe

  Find out what you need to be aware of when travelling to Europe, including making sure your passport meets the requirements for travel.

• Taking rest breaks at work

  Find out what rest breaks you should get at work and what to do if your employer won't let you take them.

• 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.

• No money to pay non-priority creditors - letter

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

• Ask non-priority creditors to write off a debt - joint letter

  Letter for when you can't make an offer of repayment on a joint debt and your circumstances are not going to improve.

• Ask non-priority creditors to write off a debt - letter

  Letter for when you can't make an offer of repayment and your circumstances are not going to improve.