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• Offer to non-priority creditor - joint letter

  Joint letter template to offer money to non-priority creditors. Use this letter when you have some money available and need assistance putting it in writing

• Community rights to buy and take over land and buildings

  Find out where to get advice and help to set up a community group in order to buy, rent or take over land or other assets.

• Check if you've experienced discrimination

  If you’ve been treated unfairly or harassed, you can find out how to check if you’ve been discriminated against under the Equality Act 2010

• Pensions - income drawdown

  What income drawdown (pension withdrawal) means, how it works and who it's suitable

• Crofting

  Information on how to find a crofting tenancy or buy a croft, and organisations which provide advice about crofting and where to get financial help.

• Dealing with mortgage arrears

  What happens if you miss a mortgage payment, including how to agree a repayment plan with your lender so you can pay your mortgage in smaller amounts

• Information for private landlords

  Information for private landlords on where to find out about your rights

• 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

• 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.

• Holding letter - ask creditors to hold off

  Letter to ask creditors to hold off for a short period while you work out your budget or get advice.