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• 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.

• Q4 - picking up and moving things

  Help to fill in Q4: picking up and moving things for your ESA application. Find out what this means and how to correctly complete the question

• 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

• Q10 - staying conscious when awake

  Help to fill in Q10: staying conscious when awake for your ESA application. Find out what this means and how to correctly complete the question

• Q9 - controlling your bowels and bladder and using a collective device

  Help to fill in Q9: controlling your bowels and bladder and using a collective device. Find out what this means and how to correctly complete the question

• 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

• No money to pay non-priority creditors - letter

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

• Backdated water bills

  What is likely to happen if water companies pursue households for the payment of water bills if they have not been paid in the past for whatever reason and what you can do about