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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
Debt solutions
The Debt Arrangement Scheme in Scotland
Trust deeds in Scotland
Bankruptcy in Scotland
Debt management plans
Budgeting
Work out your budget
Get help if you’re struggling to pay your bills
Mortgage problems
Reducing your monthly mortgage payments
What to do if you can’t pay your mortgage
Schemes that can help if you can’t pay your mortgage
Selling your home to pay your mortgage debts
Sale and rent back schemes run by private firms
If your lender is trying to repossess your home
Repossession by your landlord’s mortgage lender
If you're facing eviction because your home has been repossessed
Action your creditor can take
What happens if you are taken to court for money you owe
Creditor takes money from your bank account
Harassment by creditors
Being forced to pay your debts
If your house and possessions are being sold to pay your debts
If a creditor takes money from your bank or building society
If a creditor takes money from your earnings
Powers of sheriff officers
Borrowing money
Types of borrowing
Getting the best credit deal
How lenders decide whether to give you credit
Credit cards
Cancelling a loan or credit agreement
Paying off a credit agreement early
Top tips for borrowing
Banking
Getting a bank account
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
Starting a pension
Nearing retirement
Get ready for your Pension Wise appointment
Getting financial advice
Getting financial advice
Template letters to creditors
Holding letter - ask creditors to hold off
Holding letter for joint account - 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
Offer to non-priority creditor - joint letter
Request to write off a debt - letter
Request to write off a joint debt - letter
Ending a joint hire purchase or a conditional sale agreement - letter
Ending a hire purchase or a conditional sale agreement - letter
Credit and debt fact sheets
Credit and debt fact sheets
Gambling problems
Get help with gambling problems
If you're worried about someone's gambling
Money jargon A-Z
Money jargon A-Z
Other resources related to debt and money
Money Talk Team
What to bring to a bureau
Getting tax advice
Getting tax advice