Self Help


Self-help material

Useful web sites:

  • Money Advice Service
    A provider of free, impartial money advice set up by Government to help anyone and everyone make the most of their money. The Money Advice Service provide an excellent range of free tools and calculators for things like mortgage affordability. There are templates for help with writing letters to different bodies including: banks, loan companies, insurance companies, local authorities. A range of free guides which can be printed off include help with budgeting and managing money in the following areas: Budgeting and managing money; Pensions and retirement; Work and redundancy; Benefits; Mortgages; Family matters including births, deaths, divorce and support for carers.
  • PayPlan
    A provider of free debt solutions, including free Debt Management Plans (DMPs) and Individual Voluntary Arrangements (IVAs). If you choose to undertake Debt Management Plan or Individual Voluntary Arrangement with PayPla, you have free customer support from one of their case officers whenever you need it.
  • Stepchange
    A debt charity registered in the United Kingdom. The organisation offers debt counselling and money management. There are online tools including a debt consolidation calculator and the ability to create a Debt Management Plan which you can access via their StepChange OnlineDMP.
  • National Debtline
    A free, independent and confidential debt advice service run by the charity Money Advice Trust. National Debtline have a four step guide for dealing with debt. There is an excellent range of fact sheets (as detailed below) and sample letters. For calculating your household budget there is a detailed online calculator.

Useful information

Fact sheets

  • Harassment by creditors and debt collectors
    If you do not pay your debts, your creditors are allowed to ask you to pay and keep reminding you to pay from time to time. This will not usually count as harassment. However, they must not act illegally. This fact sheet will help you identify what behaviour by your creditors may count as harassment and what you can do about it.
  • 10 ways to clear your debts
    In this fact sheet for self help with debts we look at 10 ways it may be possible to clear your debts.
  • Payment offer- what to do if a creditor refuses
    This fact sheet tells you how to deal with your non-priority creditors, such as credit cards, unsecured loans and overdrafts, if they refuse to accept the payment offer you have made them.
  • Budgeting and saving
    This fact sheet explains about day-to-day budgeting for your household. You can use this fact sheet to find ways of planning and managing your spending.
  • What is an Attachment of Earnings?
    This fact sheet tells you how a creditor can get a court order telling your employer to make deductions from your wages and pay these into court to reduce the debt. This type of order is referred to as an attachment of earnings order.

For a variety of Fact Sheets and guides please follow this link to the National Debtline:

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Self Help

Free fact sheets and useful web sites.

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