Debt and money - Citizens Advice We use cookies to improve your experience of our website. You can find out more or opt-out from some cookies. Skip to navigation Skip to main content Skip to footer Cymraeg Sign in Search Benefits Work Debt and money Consumer Housing Family Law and courts Immigration Health More from us Home Debt and money Debt and money Get help with the cost of living Get help with the cost of living Get help with costs if you have a child or you’re pregnant Taking the first step if you need financial support Help with debt Start dealing with your debts Dealing with urgent debts Using a food bank Using a food bank Debt solutions Bankruptcy Individual voluntary arrangements (IVAs) Debt management plans Debt relief orders Administration orders Debt remedy tool Budgeting Work out your budget Get help if you’re struggling to pay your bills Mortgage problems Reducing your monthly mortgage payments Help dealing with mortgage debts If you want to sell your home and rent it back Selling your property to help pay off your mortgage debts If your mortgage lender takes you to court After your possession hearing Eviction for mortgage arrears Rent arrears Dealing with rent arrears You are taken to court for rent arrears Eviction for rent arrears Action your creditor can take 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 If a creditor takes money from your wages Charging orders Harassment by creditors Borrowing money 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 Cancelling a loan or credit agreement Paying off a credit agreement early Top tips for borrowing 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 – distance sales Pensions Types of pension Starting a pension Nearing retirement Get ready for your Pension Wise appointment Getting financial advice Getting financial advice Check if a financial service has followed the rules Template letters to creditors Guidelines for using the letter templates 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 Offer to non-priority creditor - letter Offer to non-priority creditor - joint letter Request to write off a debt - letter Request to write off a joint debt - letter Ending a joint hire purchase or a conditional sale agreement - letter Ending a hire purchase or a conditional sale agreement - letter Gambling problems Get help with gambling problems If you're worried about someone's gambling Getting tax advice Getting tax advice Increase Font Decrease Font Black & White Inverse Colors Highlight LinksReset
