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• 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

• Make an offer to non-priority creditors - 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

• 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

• Ask non-priority creditors 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

• 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

• 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

• 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

• 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