Search

• Apply for SMI

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

• Reducing your regular outgoings

  Find out how to save on household, energy and water bills, your TV licence and travel costs

• Dividing up money and belongings when you separate

  If you and your partner separate, you need to decide how to divide your home and your pension. You also need to divide possessions and money in bank accounts

• Holding letter - ask creditors to hold off

  Letter to ask creditors to hold off for a short period while you work out your budget or get advice

• Holding letter for joint account - ask creditors to hold off

  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

• How to appeal against a Universal Credit decision at a tribunal

  How to appeal against a Universal Credit decision at an independent tribunal, including how to fill in the form and what to do if you've missed the deadline

• Stopping bailiffs if you don't owe the debt

  Check how to stop bailiffs visiting you if you don’t owe a debt, find out how to prove you don’t owe the debt and how to complain if the bailiffs still say you owe the money

• Choosing a debt management plan provider

  How to find a debt management plan provider, covering whether a debt management company is licenced and belongs to a trade association and checking the contract is correct