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• Borrowing money

  Overview and content list for borrowing money. Read our advice including types of borrowing, getting the best deal and some tips for lending money

• Finding free or affordable legal help

  Find out how to get legal help if you're on a low income, including advice from a law centre or legal aid solicitor, and trial or tribunal representation by a pro bono barrister

• Solve an ongoing consumer problem with a business seller

  The steps you can take if you’ve approached a seller about a problem with a product or service and you’re not getting anywhere, including alternative dispute resolution (ADR

• 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

• Request 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

• No money to pay creditors - letter

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

• 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

• 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