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• 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

• Borrowing money

  Overview and content list for borrowing money. Read our advice including types of borrowing, getting the best deal and some tips for lending money

• Renting from the council or a housing association

  Renting from the council or a housing association If you’re being evicted by the council or housing association If you've got an eviction notice Stop your eviction from going to court Challenging

• Dealing with a letter saying bailiffs will visit

  Find out how to stop bailiffs visiting, find out what you can do if the bailiffs haven’t given you correct information. Learn how to deal with your debt

• Taking your PPI complaint further

  What to do if you can’t complain to your PPI company or you’re not happy with their decision

• Mortgage problems

  Check what help is available if you’re struggling with your mortgage payments, and what to do if your mortgage lender wants to evict you