Debt Information

Take a look through our library of information or search for something more specific. Whatever you’re looking for, we’re sure we can help.




Different types of debt

Secured debt – mortgage, secured loans

Unsecured debt – credit cards, loans, BNPL, catalogue debts, HP

Priority debts: what you should pay off first

Joint and several liability

Guarantor debt

Budgeting advice

A simple guide to budgeting

How to budget on a low income

Reducing your spending

Making the most of your money

How to switch bank accounts

Creditor letter templates

Credit score & debt

What is credit score?

Credit score and borrowing

How to improve your credit score

Borrowing advice

Benefits calculator

Different types of benefit

How Universal Credit works

How to apply for benefits

Grants and loans

Persistent debt

What is persistent debt?

Persistent debt and credit score

How to get out of persistent debt

RPU/overdraft content (?)

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Bailiff Advice

What are bailiffs?

Why creditors use bailiffs

Bailiffs and your rights

What bailiffs are allowed to do

Letters from creditors and courts

Persistent debt and credit score

How to get out of persistent debt

RPU/overdraft content (?)

Benefits

Benefits calculator

Different types of benefit

How Universal Credit works

How to apply for benefits

Grants and loans

Debt and your home

Repossession and eviction

Mortgage arrears

Rent arrears

Keeping your home