How Breathing Space works stage by stage in England and Wales, from the debt adviser conversation through the 60-day moratorium to what follows it.
Budgeting Loans and Advances: Interest-Free Help With Essential Costs
Budgeting Loans and Budgeting Advances offer interest-free borrowing on qualifying benefits. Who qualifies, what the money covers and what it costs.
Chased for a Payday Loan You Don’t Owe: What to Do
Guidance for responding to a payday loan you never took out or have already repaid, from requesting proof of the debt to escalating the dispute.
Payday Loan Disputes: Financial Ombudsman vs County Court
How the Financial Ombudsman Service and a county court claim differ for payday loan complaints, covering costs, time limits, powers and evidence.
Getting Started With Charitable Grants for Essential Costs
How charitable grants work, who offers them, how to find funds you may qualify for and what to try if an application is turned down.
Payday Loan Credit Report Terms to Know
What default date, satisfied, partially satisfied and other credit file terms mean after a short-term loan, and how to check your report for errors.
Debt Relief Orders for Beginners
A starter guide to Debt Relief Orders: who qualifies, how to apply for free, what the 12-month moratorium involves and what happens afterwards.
Getting Started With Local Welfare Assistance Schemes
How council-run welfare assistance and hardship schemes work, what they cover, who can apply and how to apply when you cannot cover an essential cost.