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• Letter to get a loan fee refunded when the loan hasn't been received

  Use this letter to get a refund of a fee for a loan when the loan has not been given within 6 months

• How credit cards work

  Information about what credit cards are, how they work, credit limits, interest-free periods and statements

• No money to pay 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

• Getting your housing plan from the council

  Check when the council will give you a housing plan. Check how it can prevent you becoming homeless or help you find a new home

• If your employer refuses to pay you sick pay

  Check what to do if you're entitled to get sick pay but your employer won't pay you

• Debt solutions

  Options that exist to help debt problems. Includes bankruptcy, debt relief orders, debt management plans, administration orders, debt consolidation and IVA's

• Choosing a personal pension

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

• Find a trader and check you can trust them

  Finding a seller or tradesperson who will do a good job and treat you fairly