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• 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

• Paying off a credit agreement early

  Find out if your credit agreement is covered by the Consumer Credit Act 1974 and how to pay it off early

• 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

• If you've been accused of child abuse

  What to do if you are accused of abusing or neglecting a child, including the importance of seeking legal advice

• Payment of benefits and tax credits

  Check how benefits and tax credits are paid - usually by direct credit transfer into bank, building society or Post Office card accounts. Find out about the Payment Exception Service if you can't use an account

• Other jobs your employer should offer you

  Find out when your employer should offer you another job instead of making you redundant. Check what counts as suitable alternative employment

• Letter to 'make time of the essence': goods

  Use this letter to give a trader a final deadline when they're taking too long to deliver goods to you

• Offer to non-priority creditor - letter

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

• Overview of discrimination in education

  Summarises the main themes in discrimination in education, covering identifying discrimination, who is treating you unfairly and what is the unfair treatment. Also covers situations when discrimination by schools can be lawful

• Credit rating - impact of debt relief order

  Explains that a debt relief order must be noted in your credit reference file and how it affects your credit rating, making it hard to get credit in future