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• 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.

• 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.

• Getting your housing plan from the council

  Check when the council will give you a housing plan. Check how it can prevent you becoming homeless or help you find a new home

• Reporting to Trading Standards

  Report a trader who has broken the law by contacting the Citizens Advice consumer service or Advice Direct Scotland.

• Check if you can get 'new style' JSA

  Check if you can claim 'new style' Jobseeker's Allowance (JSA) - and how much you'll get - while you look for a full-time job

• Cancelling a loan or credit agreement

  Find out if your credit agreement is covered by the Consumer Credit Act 1974 and your rights if you want to cancel

• What happens at the end of a debt relief order

  How to check the date your debt relief order ends and get evidence from the Insolvency Service to prove it has ended

• Other information

  Read about giving other information which does not fit anywhere else on the ESA form. You can use extra sheets of paper if there’s not enough space in the box