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• Payday loans

  How payday loans work, including continuous payment authority, stopping payments, extending the loan and alternatives to payday loans

• 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.

• Q10 - staying conscious when awake

  Help to fill in Q10: staying conscious when awake for your ESA application. Find out what this means and how to correctly complete the question

• Q4 - picking up and moving things

  Help to fill in Q4: picking up and moving things for your ESA application. Find out what this means and how to correctly complete the question

• Make an offer to non-priority creditors - letter

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

• Q9 - controlling your bowels and bladder and using a collective device

  Help to fill in Q9: controlling your bowels and bladder and using a collective device. Find out what this means and how to correctly complete the question

• 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

• Claiming compensation if you were forced to have a prepayment meter

  Find out if you can claim compensation if your energy supplier forced you onto a prepayment meter between 1 January 2022 and 31 January 2023