England > Debt and money
Dealing with money issues can sometimes be off-putting, but if you don’t 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.
Check what extra help you could get if you’re struggling with the cost of living – including the Cost of Living Payment scheme.
Get help to work out how much money you owe and which debts you should pay back first.
How to get emergency food from a food bank.
Bankruptcy
Individual voluntary arrangements (IVAs)
Debt management plans
Debt relief orders
Administration orders
Debt remedy tool
Search for articles in our debt and money section.
Check what help is available if you’re struggling with your mortgage payments, and what to do if your mortgage lender wants to evict you.
Dealing with rent arrears
Paying off your rent arrears – overview
Paying off your rent arrears
You are taken to court for rent arrears
Eviction for rent arrears
Bailiffs
If you’re 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
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Types of borrowing
Getting the best credit deal
How lenders decide whether to give you credit
County court judgments and your credit rating – overview
Credit cards
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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
Types of pension
Starting a pension
Nearing retirement
Get ready for your Pension Wise appointment
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.
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
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Get help with gambling problems
If you’re worried about someone’s gambling
Check where you can get help with a tax problem.