Search

• Do you need to pay for a debt management plan?

  Advantages and disadvantages of choosing a fee-charging debt management plan provider over on that offers a free service.

• Check if a financial service has followed the rules

  Check what rules financial services need to follow, including banks, mortgage lenders and creditors, and how you can complain

• 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

• Creditors still contacting you - debt relief orders

  Explains what to do if you are being chased for a debt covered by your debt relief order and the situations in which creditors are still allowed to contact you while the order is in place.

• Cold called by a debt management plan provider

  How to complain if you are cold-called by a debt management company - uninvited contact by phone, text, email or in person at your door.

• Stopping bailiffs if you don't owe the debt

  Check how to stop bailiffs visiting you if you don’t owe a debt, find out how to prove you don’t owe the debt and how to complain if the bailiffs still say you owe the money.

• 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

• Credit Union loans

  Information about credit unions, how credit union loans work and how to find a local provider

• Debt has increased since debt management plan

  Explains what to do if your overall debt increases even though a debt management plan is in place, including asking for interest to be frozen, increasing payments and considering alternative debt solutions.

• Cancelling your debt management plan

  Reasons why you might want to cancel your debt management plan and things to consider before doing so, including how you will deal with your debts instead and whether you will get a refund of fees.