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• Check how Universal Credit is changing in 2026

  The amount of Universal Credit you can get will change in April 2026. Check what is changing because of the Universal Credit Bill and other benefit changes.

• Your notice period during dismissal

  Check your notice period and notice pay, including statutory notice, contractual notice, garden leave and pay in lieu of notice. Know how to claim wrongful dismissal if you aren't paid fully

• Check if a change affects your SMI

  Find out if a change you report about your benefits also affects your support for mortgage interest (SMI).

• 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 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

• 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

• 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