Factsheet library

A guide to guarantor loans: things you need to know

A guarantor loan is a type of loan where a friend or family member (known as the guarantor) agrees to…Read more »

Advice for when you can’t afford hire purchase repayments

What happens if I can’t pay for my hire purchase agreement? Before anything else, make sure you let the creditors…Read more »

Can banks take money to pay debt without permission?

What does ‘right to offset’ mean? The right to offset, also known as the ‘right of setoff’ or ‘setting off’,…Read more »

Continuous payment authorities and how to cancel them

What is a continuous payment authority? A continuous payment authority (CPA) is when you grant a company permission to take…Read more »

Dealing with debts that can’t be included in a DMP

Should I include all my debts in a Debt Management Plan? When entering a Debt Management Plan (DMP), you don’t…Read more »

Help and support after the loss of a loved one

What help is out there following a bereavement? Bereavement is a deeply personal experience, and everyone grieves differently. There’s no…Read more »

Help and support available when caring for a loved one

I’m caring for someone – what help is out there to support me? Caring for others can be rewarding and…Read more »

Help and support available when leaving hospital

What support is out there when leaving hospital? If you’re currently in hospital, it’s natural to feel concerned about what…Read more »

Help and support available when looking for work

I’m looking for a new job – what help is out there?Searching for a new job can be both an…Read more »

Help and support if you owe money to a loan shark

What is a loan shark?Loan sharks are people or companies who charge you for borrowing money with very high interest…Read more »

How a simple budget plan can help with debt

What’s a budget plan and how will it help me? If you’re aiming to reduce your debt or build your…Read more »

How to apply for a budgeting loan or advance

What are budgeting loans and advances? With Crisis Loans no longer available, other options have replaced the scheme to help…Read more »

How to deal with arrears on TV licence payments

Why do I need to pay for a TV licence? By law, you need to have a TV licence to…Read more »

How to deal with debts in the UK while living abroad

Living abroad with UK debts It can be daunting if you have debts that were taken out in a different…Read more »

How to deal with missed mortgage payments and arrears

What happens if I can’t afford to pay my mortgage? The first thing you need to do is contact your…Read more »

How to deal with rent arrears if you’ve fallen behind

I’m in rent arrears. What can I do? If you’re in arrears with your rent, the first step is to…Read more »

How to deal with unpaid parking fines

What will happen if I haven’t paid my parking fine? There are a few types of parking fines or penalties,…Read more »

How to get help if you can’t pay your utility bills

Falling into arrears with utility bills If you’re having problems paying your utility bills like gas, electric or water, contact…Read more »

How to get support after having a baby

Help and support for new parents Becoming a parent – whether for the first time or welcoming a new addition…Read more »

I can’t pay child maintenance right now. What happens?

What happens if I’m struggling to pay child maintenance? Child maintenance, or child support, is a legal responsibility to provide…Read more »

I owe money to friends or family. What happens if I can’t pay them back?

What happens if I can’t pay my friends or family back? If you owe money to family or friends, we…Read more »

Person At Risk of Violence (PARV) Order

A Person at Risk of Violence (PARV) order is a safeguard that can be put in place to protect people…Read more »

Talking about debts with your partner, friends and family

How do I tell my loved ones that I’m in debt? Approaching the subject of debt is hard at the…Read more »

Things you need to know about redundancy and debt

I’m in debt and I’ve been made redundant – what should I do? If you’re in debt and worried about…Read more »

What are debt snowballing and debt avalanche?

My debt is getting out of control – what should I do? Knowing how to manage debts and keeping them…Read more »

What are secured loans and how do they work?

How does a secured loan work? A secured loan is a second charge on your property. You will have a…Read more »

What to do if you’re struggling to pay your council tax or you’re already in arrears

If you’re struggling to keep up with your council tax payments, or you’ve already fallen behind, you’re not alone, and…Read more »