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• Make an offer to non-priority creditors - letter

  Letter for when you have some money available to offer your non-priority creditors

• Debt management plans - what you need to know

  Introduction to debt management plans, explaining what they are, how they work and who can get one

• Make an offer to non-priority creditors - joint letter

  Joint letter template to offer money to non-priority creditors. Use this letter when you have some money available and need assistance putting it in writing

• Ask non-priority creditors to hold off - holding letter

  Letter to ask creditors to hold off for a short period while you make a plan to pay your debts or get advice

• Contact us about a Universal Credit application

  Get help making a new claim for Universal Credit, from the making the application through to getting your first correct payment

• No money to pay non-priority creditors - letter

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

• Ask non-priority creditors to hold off - joint holding letter

  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

• If you disagree with your neighbour about a wall or fence

  Check what to do if you’re arguing about boundaries. Check what happens if you can’t agree about a wall or fence that’s causing problems