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• Request to write off a joint debt - letter

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

• 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

• Request 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

• What happens at the end of a debt relief order

  How to check the date your debt relief order ends and get evidence from the Insolvency Service to prove it has ended

• Taking action over credit brokers

  Explains how to get your money back from a credit broker, if they have taken payment from you without your permission

• Check your personal alarm will work after the landline switch off

  Check how the switch to digital landlines might affect your telecare and other alarms. Check what to do to avoid problems when you switch

• Appealing against a disciplinary decision

  You have the right to appeal against any disciplinary action your employer takes against you. Check how to appeal a decision and what will happen next

• Claiming compensation from water companies

  How to claim compensation from a water company. Read this to find out more about the standards water companies must stick to and when you can claim

• If a company stops trading or goes out of business

  Claim money owed to you when a trader goes out of business, including checking whether they’ve gone out of business