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• 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

• 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.

• 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 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.

• 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

• 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 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