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• Q12: making decisions about money

  Help to fill in Q12: making decisions about money for PIP. Find out what this means and get advice on how to complete the question

• 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 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

• Make an offer to non-priority creditors - letter

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

• No money to pay non-priority creditors - letter

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

• 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

• 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

• 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