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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.

• 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.

• 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 write off a debt - letter

  Letter for when you can't make an offer of repayment and your circumstances are not going to improve

• 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

• Apply for SMI

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

• 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