Debt and Money

Dealing with money issues can sometimes be off-putting, but if you do not understand how things like credit or mortgages work, you could end up losing out financially or getting yourself deep in debt. The following pages will give you the information you need to make the right choices, including help to deal with your debt problems, how to avoid losing your home and how to get your finances back into shape.

If you cannot pay your bills because of coronavirus

Call to check what help you can get if you cannot afford to pay bills like council tax and energy because of coronavirus (COVID-19). Also find out when you can pause repayments for bills like mortgages and tax debt.

Help with debt

Get help to work out how much money you owe and which debts you should pay back first.

Debt and money search

Search for articles in our debt and money section. Debt and Money

Budgeting

Use our budgeting tool or get help with your bills.

Debt solutions

Bankruptcy
Debt Management Plans
Debt Relief Orders
Individual Voluntary Arrangements
Administration Orders
Debt Remedy Tool

Mortgage problems

We can help with the following:

Managing Your Mortgage
How To Sort Out Your Mortgage Problems
What Happens When Your Mortgage Lender Takes You To Court
Your Mortgage Lender Takes You To Court – How To Prepare For The Court Hearing
For Mortgage Arrears

Rent arrears

Dealing With Rent Arrears
Paying Off Your Rent Arrears – Overview
Paying Off Your Rent Arrears
Taken To Court For Rent Arrears
Eviction For Rent Arrears

Action your creditor can take

Bailiffs
If you are being taken to court for debt
Changing a court order for debt
How a creditor can get information about your finances
Creditor takes money from your bank account

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

Pensions

Types of pension
Starting a pension
Nearing retirement
Get ready for your Pension Wise appointment

Getting financial advice

Information on choosing a qualified financial adviser, how much advice will cost, a checklist of things to think about before seeing an adviser and how to make a complaint.

Sample letters to creditors

Holding letter – ask creditors to hold off
No money to pay creditors – letter
Guidelines for using the letter templates
Offer to non-priority creditor – letter
Request to write off a debt – letter
Ending a hire purchase or a conditional sale agreement – letter

Tax

Income tax – how much should you pay
What is taxable income
How to pay income tax
Tax refunds
Problems with tax