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• Hire purchase and conditional sale

  Information about how hire purchase and conditional sale agreements work, the right to end a hire purchase agreement and what happens if the buyer is unable to pay

• Deciding what to do about discrimination at work

  Find out what your options are for dealing with discrimination and how to make the best choice for your situation

• Complaining to an ombudsman

  How to use an ombudsman to investigate a complaint about maladministration in public and private sector organisations

• Step 1: Check it was because of a protected characteristic

  To check if you’ve been discriminated against under the Equality Act 2010, you can check if what you experienced was because of a protected characteristic

• 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

• 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

• No money to pay creditors - letter

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