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Home
Debt and money
Debt and money
Get help with the cost of living
Get help with the cost of living
Help with debt
Start dealing with your debts
Dealing with urgent debts
Using a food bank
Using a food bank
Debt solutions
Bankruptcy
Individual voluntary arrangements (IVAs)
Debt management plans
Debt relief orders
Administration orders
Debt remedy tool
Budgeting
Work out your budget
Get help if you’re struggling to pay your bills
Mortgage problems
Reducing your monthly mortgage payments
Help dealing with mortgage debts
If you want to sell your home and rent it back
Selling your property to help pay off your mortgage debts
If your mortgage lender takes you to court
After your possession hearing
Eviction for mortgage arrears
Rent arrears
Dealing with rent arrears
Eviction for rent arrears
Paying off your rent arrears
Paying off your rent arrears - overview
You are taken to court for rent arrears
Action your creditor can take
Bailiffs
How a creditor can get information about your finances
If a creditor takes money from your wages
Charging orders
Harassment by creditors
Powers of sheriff officers
Changing a court order for debt
Creditor takes money from your bank account
If you're being taken to court for debt
Borrowing money
Types of borrowing
Getting the best credit deal
How lenders decide whether to give you credit
County court judgments and your credit rating - overview
Credit cards
Cancelling a loan or credit agreement
Paying off a credit agreement early
Top tips for borrowing
Banking
Stopping a future payment on your debit or credit card
Banking – security and fraud
Complaints about banks and building societies
Your payment card was used without your permission – distance sales
Pensions
Types of pension
Nearing retirement
Get ready for your Pension Wise appointment
Starting a pension
Getting financial advice
Getting financial advice
Template letters to creditors
Holding letter - ask creditors to hold off
No money to pay creditors - letter
No money to pay creditors - joint letter
Guidelines for using the letter templates
Offer to non-priority creditor - letter
Request to write off a joint debt - letter
Ending a hire purchase or a conditional sale agreement - letter
Ending a joint hire purchase or a conditional sale agreement - letter
Holding letter for joint account - ask creditors to hold off
Offer to non-priority creditor - joint letter
Request to write off a debt - letter
Gambling problems
Get help with gambling problems
If you're worried about someone's gambling
Getting tax advice
Getting tax advice