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• Complaining about your water company

  The complaints process for complaining about your water bill or supply, or the standard of service you have received from your water company in the first instance and what to do if you are not happy with what the water company has said

• Check if you’re allowed an extra bedroom for Housing Benefit

  Find out if you can get Housing Benefit for another room in your council home because you have a disability or someone is away from home.

• Get help with the cost of renting privately

  Check if you can get help to pay your rent or council tax. Check if you can get Universal Credit for housing costs or a council tax reduction

• Check if you can sublet your home

  Check if you're allowed to sublet your home and how it might affect your income and benefits.

• 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

• 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

• No money to pay creditors - letter

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