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• 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 rating - impact of debt management plan

  Explains how having a debt management plan may affect your credit rating

• Credit Union loans

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

• Claiming compensation from water companies

  How to claim compensation from a water company. Read this to find out more about the standards water companies must stick to and when you can claim

• Reporting a change while you're on ESA

  What changes of circumstance to tell the DWP about while you're getting ESA, how to contact the DWP about the changes

• Payday loans

  How payday loans work, including continuous payment authority, stopping payments, extending the loan and alternatives to payday loans

• Your right to life

  Explains how the right to life is protected by article 2 of the Human Rights Act 1998 and when the article may be breached

• Backdated water bills

  What is likely to happen if water companies pursue households for the payment of water bills if they have not been paid in the past for whatever reason and what you can do about

• Creditors still chasing you after you go bankrupt

  Explains the situations when some creditors may still be able to contact you, after you go bankrupt

• No money to pay creditors - letter

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