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• Letter to cancel or return goods bought online, over the phone or by mail order

  Letter to cancel an online, phone or mail-order sale during the 14 day 'cooling off' period

• Credit rating - impact of an administration order

  Explains how having an individual voluntary arrangement could affect your ability to apply for credit

• How much Attendance Allowance you can get

  Find out how much Attendance Allowance you can get a week to help with your disability or health condition

• Credit rating - impact of debt relief order

  Explains that a debt relief order must be noted in your credit reference file and how it affects your credit rating, making it hard to get credit in future

• No money to pay non-priority 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

• 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

• 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

• Ask non-priority creditors to write off a debt - joint letter

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