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• No money to pay non-priority creditors - letter

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

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

  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

• 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

• What is an administration order

  Explains what an administration order is, how to apply, how repayments work, whether part of your debt can be written off and what happens afterwards

• Problem with an app, software or download

  Your right to a refund or repair if there’s a fault with digital content like software, downloads and apps

• If you’re having problems with your smart meter

  Check what to do if you think your smart meter isn't working properly or your energy supplier isn't getting your readings

• Living together and marriage - legal differences

  Differences between how the law treats married and cohabiting couples including financial matters, responsibility for children and housing

• If you think you’ve been charged too much for your energy

  Do you think you've been overcharged for gas or electricity? Reasons why your energy bill amount might be higher than normal and what you can do about