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• 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

• Get specialist immigration advice

  Check what help you can get from Citizens Advice or find a specialist immigration adviser

• If you’re struggling to pay your heat network bills

  Find out what to do if you're having problems paying heat network bills or you owe money. Heat networks are sometimes called communal heating or district heating

• Check how to switch your internet, phone or TV provider

  How to switch your landline, mobile phone, internet or TV provider to get a cheaper deal

• Challenging a JSA decision - mandatory reconsideration

  What to do if you've been refused JSA or had your JSA reduced. The arguments you can use to challenge a JSA decision and the evidence you'll need

• Check if your landlord can increase your rent

  Find out how to deal with a rent increase, find out how to negotiate to get a lower rent and check how you can challenge your rent increase

• Check if you’re protected from disability discrimination

  Understand how the Equality Act defines disability. The Equality Act is the law that stops employers, businesses and providers discriminating against you

• If a creditor takes money from your wages

  Information on attachment of earnings orders used to take money from your wages to pay back money owed to creditors

• Tell your supplier if you need extra support

  Sign up for priority services to get extra support reading your bills or meter, and priority help from your energy supplier in a power cut

• No money to pay creditors - letter

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