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• 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.

• Make an offer to non-priority creditors - letter

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

• Problems with an insurance claim

  Contacting your insurer about a problem with your claim and when to use the Financial Ombudsman Service to resolve a complaint with your insurer

• Changing debt management plan provider

  Things to think about if you want to switch debt management plan providers, including reasons for switching, the process and problems changing providers may cause

• 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

• 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.

• 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

• Who must comply with the public sector equality duty?

  Lists the type of public authorities which must comply with the public sector equality duty. Also explains when private organisations or charities must comply, when carrying out public functions