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• 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

• What happens after the trial if you're a witness

  What to do after you've given evidence in court including information about finding out the result of the trial

• Debt management plans - what you need to know

  Introduction to debt management plans, explaining what they are, how they work and who can get one

• 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 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

• If your visa application is delayed

  How to find out what is happening to your visa, if it is delayed and you are waiting for a decision

• Complaint about a problem at work – grievance letter checklist

  Basic rules for writing a grievance letter and a checklist to make sure that your letter has all the relevant information

• Check your employment status

  Find out what your employment status is so you can understand how it affects your rights