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• 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

• 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

• 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

• 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

• 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 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

• 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

• 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

• No money to pay creditors - letter

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