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• Choosing a personal pension

  Find out about who provides personal pensions and things to look out for when choosing one

• Being laid off or put on short-time working

  Know your rights to pay, the importance of your contract, and when you can claim redundancy instead of lay off or short-time working

• Loan sharks

  Information about illegal lending, how to check if a lender is properly licensed and what to do if you owe money to a loan shark

• 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

• Taking your PPI complaint further

  What to do if you can’t complain to your PPI company or you’re not happy with their decision

• 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 debt management plan

  Explains how having a debt management plan may affect your credit rating

• Credit rating - impact of an administration order

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