Please Select... What happens in bankruptcy? Tell me about Bailiffs and the Council Tax/Community Charge? How do I deal with Harassment by my Creditors? How do I deal with my Business debts? What do I do if I have been refused credit? What is the Mortgage Possessions Register? What is a Time Order? What can I do about Negative Equity? How do I reduce payments or suspend a Bailiffs warrant on a County Court Judgment? What is an Administration Order? I am homeless - what should I do? What can I do about a Mortgage Shortfall? How do I set aside a Judgement in the County Court? What happens when I have a fine in the Magistrates Court? What if my Creditors refuse my offer? What is a Charging Order? How do I deal with Hire Purchase debt? How can my landlord end my assured tenancy? What happens to interest charges after a County Court Judgement is made? How can I avoid getting into debt at Christmas? How do I reply to a County Court Claim Form? What happens to debts when someone dies? What is an Attachment of Earnings Order? What are the new rules regarding Water Rates? What are full and final settlement offers? Tell me about liability for debts and the Limitation Act? What is an IVA?

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Section 3 | Factsheets

Search through our library of factsheets -

I would like information on: Please Select Administration Orders Attachment of Earnings in the County Court Bailiffs & Council Tax Bankruptcy Can I complain about my lender? Catalogue debts Charging orders in the County Court Credit Reference Agencies Dealing with debts in the High Court Debt Management Plan (DMP) Full & Final Settlement Getting a copy of your credit agreement and account details Harassment Homeless - What should I do? How can my Landlord end my Assured Tenancy? How to avoid Debt at Christmas How to deal with Hire Purchase Debt How to deal with Business Debt How to set aside a Judgment in the County Court Interest Charges after Judgment Individual Voluntary Arrangement (IVA) Liability for Debts & the Limitation Act Magistrates Court fines Mortgage Shortfalls Negative Equity - What can I do if I want to move house? Parking penalties in the county court Reducing Payments or Suspending a Bailiff's Warrant on a CCJ Replying to a County Court Claim Form Review Pack for people who can't afford to pay... Review Pack for people who can afford to pay... Student Debt Time Orders Water rates arrears and water trust funds What if a Creditor refuses my offer of Payment? What to do about debt when someone dies

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Section 4 | Self Help Pack

Download our self help pack that contains all the information and standard letters you need to deal with your own debt problem.

This pack shows you:

• How to work out your personal budget
• How to decide which debts to deal with first (priority debts)
• How to work out offers of payment
• How to deal with court procedures

Select the sections that are relevant to you: Please select How to use this pack Increasing your income Working out a Personal Budget Sheet Dealing with Priority Debts Credit Debts Pull-out (draft) Personal Budget Sheet Mortgage Arrears Rent Arrears - 1 Rent Arrears - 2 Bailiffs & Rent Arrears Getting Re-housed Factsheets & Useful Contacts More about National Debtline

The pack is designed to help you to deal with your debts in a step by step way.
You should check all the sections to make sure you have all the information you need.

Or you can download the pack in it's entirety.
CAUTION: You should only download this pack if you have a fast internet connection (1.50Mb file).

Please select a letter Ask your creditors to hold action on your account Ask your creditors to accept pro rata offers of payment on your debts Ask your creditors to accept a token payment or no payments on your debts When a creditor refuses your offer of payment When a creditor refuses to freeze interest on your account When a creditor has turned down an offer of payment, interest is still being added, and you want the creditor to take you to court When creditors have turned down an offer of payment, interest is still being added but you don't want to go to court When a creditor asks you to agree a voluntary charge against your home Request for a stay of execution in the High Court Full and final settlement letter for any debt Ask your creditors to write off the debt due to your circumstances Ask your creditors to reconsider if they refuse to write off the debt Dispute your liability for a debt where a creditor has not contacted you for over six years You want a copy of your credit agreement/statement of the account and the creditor has refused to send you a copy Mortgage shortfalls: Breakdown of balance owed Mortgage shortfalls: Please write off the debt Mortgage shortfalls: Full and final settlement letter Mortgage shortfalls: Lender should not pursue under CML policy Inform your creditor that you are terminating your hire purchase/conditional sale agreement Ask your bank to pay particular bills out of your account from money you have paid in To complain to debt collection agencies who are pursuing you when you do not owe the debt Letter to your lender if you have a complaint before contacting the Financial Ombudsman Service You want a copy of your Credit Agreement and/or Statement of the account and the Creditor has so far refused to send you a copy free of charge