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• Holding letter - ask creditors to hold off

  Letter to ask creditors to hold off for a short period while you work out your budget or get advice

• Holding letter for joint account - ask creditors to hold off

  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

• Request to write off a joint debt - letter

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

• No money to pay creditors - letter

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

• Collecting information about your debts

  Collect information about your debts and check how to contact your creditor

• No money to pay 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

• Start the work capability form for Universal Credit

  To apply for Universal Credit if you can't work because you're sick or disabled, you'll need to complete the work capability (WCA50) form

• Complain about mis-sold PPI

  How to get your money back if you were mis-sold PPI. You can usually complain to your PPI company if they broke the rules when you bought