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• Make an offer to non-priority creditors - letter

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

• Make an offer to non-priority creditors - joint letter

  Joint letter template to offer money to non-priority creditors. Use this letter when you have some money available and need assistance putting it in writing

• Payday loans - reasons to complain about your lender

  What you can complain about if your payday lender doesn’t follow the Good Practice Customer Charter rules

• If you can't take your holiday because you're ill

  Find out what you can do if you’re sick before on on a holiday, if you can postpone your holiday and when you can take it, including in the following year

• No money to pay non-priority creditors - letter

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

• Problems getting insurance

  Why insurers might not offer you insurance and what to do if you are having problems with getting insurance

• Cancelling your debt management plan

  Reasons why you might want to cancel your debt management plan and things to consider before doing so, including how you will deal with your debts instead and whether you will get a refund of fees

• Check if a room counts as an extra bedroom for Housing Benefit

  Find out how the council decide if you have a spare room in your council home, and when they can reduce your Housing Benefit - sometimes called the ‘bedroom tax