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• Creditors still contacting you - debt management plans

  Explains why creditors may still contact you while a debt management plan is in place and what to do if a creditor is harassing you

• Problem with an app, software or download

  Your right to a refund or repair if there’s a fault with digital content like software, downloads and apps

• Apply for SMI

  How to apply for support for mortgage interest (SMI) if you get benefits

• What happens after bankruptcy

  Explains what happens after bankruptcy, including what to expect when dealing with the official receiver after a bankruptcy order has been made

• 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

• 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

• Contact us about a Universal Credit application

  Get help making a new claim for Universal Credit, from the making the application through to getting your first correct payment

• Getting the best credit deal

  Advice on getting a good best deal when borrowing money, including comparing credit products, costs involved, terms and conditions and checking whether you can afford the repayments