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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

• Vehicle insurance if the accident wasn't your fault

  What to do if the accident wasn’t your fault and what you need to think about before your vehicle is repaired

• Apply for SMI

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

• 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.

• 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

• 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.

• Check if a room counts as an extra bedroom for Housing Benefit

  Find out how the council decide if you have a spare room in your council home, and when they can reduce your Housing Benefit - sometimes called the ‘bedroom tax