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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

• Stopping bailiffs if you don't owe the debt

  Check how to stop bailiffs visiting you if you don’t owe a debt, find out how to prove you don’t owe the debt and how to complain if the bailiffs still say you owe the money

• Choosing a debt management plan provider

  How to find a debt management plan provider, covering whether a debt management company is licenced and belongs to a trade association and checking the contract is correct

• 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

• Claiming Universal Credit

  Get help and advice on claiming universal credit. We offer help with applying, reapplying, going for your interview and how to get an advanced payment.

• Dividing up money and belongings when you separate

  If you and your partner separate, you need to decide how to divide your home and your pension. You also need to divide possessions and money in bank accounts

• Check the costs of starting to rent from a private landlord

  Check what payments you need to make before you start renting. Get help if you can't pay a tenancy deposit or rent in advance.

• Mail order catalogues

  Information about buying things from a catalogue and being an agent for a catalogue company