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• What to do if you've been sanctioned while on Universal Credit

  Check what you can do if you've been sanctioned on Universal Credit. Check how to challenge an unfair sanction and what you can do to avoid future issues

• 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.

• What happens at the end of a debt relief order

  How to check the date your debt relief order ends and get evidence from the Insolvency Service to prove it has ended

• If your visa application is delayed

  How to find out what is happening to your visa, if it is delayed and you are waiting for a decision

• 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.

• Make sure your redundancy is genuine

  Check what reasons your employer can give for making you redundant. Find out about signs that your redundancy might not be genuine

• Offer to non-priority creditor - letter

  Letter for when you have some money available to offer your non-priority creditors

• Offer to non-priority creditor - joint letter

  Joint letter template to offer money to non-priority creditors. Use this letter when you have some money available and need assistance putting it in writing

• If your creditors are still contacting you

  Check what to do if creditors are still contacting you about debts covered by your individual voluntary arrangement (IVA

• Letter to send evidence after your PIP claim form

  Template letter you can use if you need to send extra supporting evidence for your Personal Independence Payment (PIP) claim