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• 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

• Who must comply with the public sector equality duty?

  Lists the type of public authorities which must comply with the public sector equality duty. Also explains when private organisations or charities must comply, when carrying out public functions

• 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

• No money to pay non-priority creditors - letter

  Letter for when you have no money available to offer to your non-priority creditors

• Problems with an insurance claim

  Contacting your insurer about a problem with your claim and when to use the Financial Ombudsman Service to resolve a complaint with your insurer

• 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.

• Backdated water bills

  What is likely to happen if water companies pursue households for the payment of water bills if they have not been paid in the past for whatever reason and what you can do about