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• 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

• Step 1: Check it was because of a protected characteristic

  To check if you’ve been discriminated against under the Equality Act 2010, you can check if what you experienced was because of a protected characteristic

• Bankruptcy

  Overview and content list for bankruptcy. Read our advice on before you go bankrupt, how it affects you and the rules of going bankrupt. Find out more.

• 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

• No money to pay creditors - letter

  Letter for when you have no money available to offer to your non-priority creditors

• Borrowing money

  Overview and content list for borrowing money. Read our advice including types of borrowing, getting the best deal and some tips for lending money

• Mortgage problems

  Check what help is available if you’re struggling with your mortgage payments, and what to do if your mortgage lender wants to evict you

• Complain about a local council's involvement with your family

  Find out how to complain about your local council if they've been involved with your family

• Faulty goods

  Consumer template letters for faulty goods. Use our template letters if you need to write about an issue with faulty goods to a supplier