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• Ask non-priority creditors to hold off - joint holding letter

  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.

• Ask non-priority creditors to hold off - holding letter

  Letter to ask creditors to hold off for a short period while you make a plan to pay your debts or get advice.

• Make an offer to non-priority creditors - letter

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

• 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

• Making sure your flat is fire safe

  Find out how to make sure your home is fire safe, and who is responsible for fire safety

• How to appeal against a Universal Credit decision at a tribunal

  How to appeal against a Universal Credit decision at an independent tribunal, including how to fill in the form and what to do if you've missed the deadline

• Appealing a Child Benefit decision at tribunal

  Find out if you can appeal your Child Benefit mandatory reconsideration decision. Check when and how to appeal

• Preparing to rent from a private landlord

  Find out how to decide whether to rent from a landlord or letting agent, how to search for a property and what questions you should ask before you rent a home