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• Check if your business is a microbusiness or a small business

  We provide official energy advice for microbusinesses and small businesses. Check our guidance to find out if your business is a microbusiness or a small business

• Ending a joint hire purchase or a conditional sale agreement - letter

  Letter to end a joint hire purchase or conditional sale agreement. You might need to do this if you can't afford the payments any more

• 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

• 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

• No money to pay creditors - joint letter

  Joint letter template for when you have no money available to offer to your non-priority creditors. This template is to be used for guidance

• Using a food bank

  How to get emergency food from a food bank. You can get a referral or look for a food bank that you don't need a referral for, such as ones ran by a church

• Check if you're an agency worker

  You’re an agency worker if you have a contract with an agency but you’re sent to work temporarily for another organisation

• Getting your housing plan from the council

  Check when the council will give you a housing plan. Check how it can prevent you becoming homeless or help you find a new home

• If your employer refuses to pay you sick pay

  Check what to do if you're entitled to get sick pay but your employer won't pay you

• Letter to claim damages for misrepresented goods or services

  Use this letter to get a refund or claim damages for goods or services which were misrepresented to you at the time of sale