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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.

• Collecting information about your debts

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

• Complain about PPI commission

  Find out when you can get money back on your PPI if it wasn’t mis-sold.

• 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

• Letter to complain about a loan

  If you have a problem with a loan you can use this letter to complain

• 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 it.