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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.

• 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.

• Apply for SMI

  How to apply for support for mortgage interest (SMI) if you get benefits

• If a problem with National Insurance is affecting your benefits

  What to do if you can’t find your National Insurance number or if you think your National Insurance record is wrong and it’s affecting the benefits you can claim

• If you can't take your holiday because you're ill

  Find out what you can do if you’re sick before on on a holiday, if you can postpone your holiday and when you can take it, including in the following year

• Writing a complaint letter about bailiffs

  Check what to include in a letter complaining about bailiffs, and what you can ask creditors to do to solve your complaint

• 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

• 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