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• Complaining about housing discrimination

  Complain about discrimination you've faced from a landlord, letting agent or someone else who’s involved in your housing

• No money to pay creditors - letter

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

• 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

• Offer to non-priority creditor - letter

  Letter for when you have some money available to offer your non-priority creditors

• 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

• If your creditors are still contacting you

  Check what to do if creditors are still contacting you about debts covered by your individual voluntary arrangement (IVA

• Step 3: Check the type of discrimination

  To check if you’ve been discriminated against, you can check if you experienced a type of discrimination in the Equality Act 2010

• Discrimination because of sex

  Updated 'see Sexual orientation discrimination' link from 'Check if you've experienced discrimination' to 'Discrimination because of sexual orientation'. Discrimination advice project: https://citizensadvice.atlassian.net/browse/CEA-5381