Please Select What are Full & Final settlement orders? How do I deal with debts relating to my Business? What should I do if I receive a fine from the District or Sheriff's Court? How do I deal with Hire Purchase debt? What can I do if I have Negative Equity and want to move? What can I do if I need more time to pay a loan agreement? How can I avoid getting into debt at Christmas? How can I get time to pay before or after a Decree / Court Order? What do I do if I didn't reply to a Summons? I am homeless - what should I do? What should I do if a creditor is taking court action against me? How can I find out what information is held on my credit agreements, arrears etc.? How can my Landlord end my Assured Tenancy? Is Bankruptcy the right choice for me? What does Bankruptcy involve? What is Diligence? What should I do if I think a creditor is harassing me? What can my local council do if I am in arrears with my Council Tax / Community Charge?

Phone us for advice 0808 808 4000

Section 3 | Factsheets

Search through our library of factsheets -

I would like information on: Please Select Bankruptcy Can I complain about my lender? Credit Reference Agencies Debt Arrangement Scheme (DAS) Debt Management Plan (DMP) Enforcing a debt against you by diligence Fines in the District & Sheriff Courts Full & Final settlement Harassment Homeless - What should I do? How can my Landlord end my Assured Tenancy? How to avoid debt at Christmas How to deal with Business Debt How to deal with Hire Purchase debt Liability for debts & the Prescription & Limitation (Scotland) Act 1973 Mortgage Shortfalls Negative Equity - What can I do if I want to move? Recall of Decree Recovery of Council Tax Time Orders Time to pay directions & orders Trust Deeds What happens when a creditor takes court action against you? What if a creditor refuses my offer of payment?

Phone us for advice 0808 808 4000

Section 4 | Self Help Packs

Download our self help pack that contains all the information and standard letters you need to deal with your own debt problem.

This pack shows you:

• How to work out your personal budget
• How to decide which debts to deal with first (priority debts)
• How to work out offers of payment
• How to deal with court procedures

Select which pack is relevant to you: Please select How to use this pack Increasing your income Working out a Personal Budget sheet Dealing with priority debts Credit debts Pull-out (draft) Personal Budget sheet Mortgage arrears Rent arrears - 1 Rent arrears - 2 Sheriff Officers & Rent arrears Getting re-housed Factsheets & Useful contacts About National Debtline

The pack is designed to help you to deal with your debts in a step by step way.
You should check all the sections to make sure you have all the information you need.

Or you can download the pack in it's entirety.
CAUTION: You should only download this pack if you have a fast internet connection (2.21Mb file).

Please select a letter Ask your creditors to hold action on your account Ask your creditors to accept pro rata offers of payment on your debts Ask your creditors to accept a token payment or no payments on your debts When a creditor refuses your offer of payment When a creditor refuses to freeze interest on your account Full and final settlement letter for any debt Ask your creditors to write off the debt due to your circumstances Ask your creditors to reconsider if they refuse to write off the debt Dispute your liability for a debt where a creditor has not contacted you for five years Ask your creditor for a copy of your credit agreement under the Consumer Credit Act 1974 Mortgage shortfalls: Breakdown of balance owed Mortgage shortfalls: Please write off the debt Mortgage shortfalls: Full and final settlement letter Mortgage shortfalls: Lender should not pursue under CML policy Inform your creditor that you are terminating your hire purchase/conditional sale agreement Dispute liability for a debt where a creditor has not contacted you for over five years Letter to your lender if you have a complaint before contacting the Financial Ombudsman Service