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• 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

• Cancel something you bought on hire purchase

  Returning something you bought on hire purchase or conditional sale. How to cancel the agreement and what you’ll owe

• Individual voluntary arrangements (IVAs)

  Find out if you're eligible for an IVA, how to make an application and get advice on solving any problems you have

• Information your debt management plan provider must give you

  Explains what to do if a debt management plan provider has not given you all the information you are entitled to when choosing or signing up for a debt management plan

• 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

• 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

• Buying and selling a home

  Buying and selling a home Buying a home Calculate your monthly mortgage payments Selling a home Problems with buying and selling a home Problems with selling your home - delayed completion and lease

• Check if you can complain about mis-sold PPI

  Find out if you’ve had payment protection insurance (PPI) and if you can get your money back - it might have been added without telling you

• Choosing a debt management plan provider

  How to find a debt management plan provider, covering whether a debt management company is licenced and belongs to a trade association and checking the contract is correct

• If you've been sanctioned

  Get help if you've been sanctioned while on universal credit. We have advice on how to check your sanction and challenging it, and how to get hardship payment