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• Dealing with mortgage arrears

  What happens if you miss a mortgage payment, including how to agree a repayment plan with your lender so you can pay your mortgage in smaller amounts

• No money to pay non-priority creditors - joint letter

  Joint letter template for when you have no money available to offer to your non-priority creditors. This template is to be used for guidance

• Preparing your finances for retirement

  When you can start getting your pension, checklist of things to do leading up to your retirement, getting help with Pension Wise, and what to do if you've lost track of a pension

• Ask non-priority creditors to write off a debt - joint letter

  Letter for when you can't make an offer of repayment on a joint debt and your circumstances are not going to improve

• Debt management plan fees too high?

  Action you can take if you think the fees charged for your debt management plan are unfair, including a explanation of what counts as unfair

• Payday loans - reasons to complain about your lender

  What you can complain about if your payday lender doesn’t follow the Good Practice Customer Charter rules

• Ask non-priority creditors to hold off - holding letter

  Letter to ask creditors to hold off for a short period while you make a plan to pay your debts or get advice

• No money to pay non-priority creditors - letter

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