Personal finance
This part of the site provides legal information and documents relating to personal finance - everything from unfair bank charges and credit issues to dealing with debtors and repayment of debts.
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See below for our range of services or, for more help and information, click on the law guide topics in the left-hand menu.
Please note: If you have received a registration voucher from your insurance provider, you may have access to some of these services for free. Click here for further information.
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Credit issues
Compatible region(s):
England & Wales
Scotland
Northern Ireland
Your credit rating matters- and you should take careful steps to safeguard it, and repair it if you feel it does not fairly represent your circumstances. This pack contains documents for you to start…
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Compatible region(s):
England & Wales
Scotland
Northern Ireland
This document helps you to improve your credit rating by removing incorrect information from your credit files and adding explanations (where appropriate) as to why your credit history was bad. You can…
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Compatible region(s):
England & Wales
Northern Ireland
If there is an error on your credit card statement, you should notify your credit card company as soon as possible and can use this document to do so. This letter is only appropriate for use where your…
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Compatible region(s):
England & Wales
Northern Ireland
This letter should be sent to an organisation which has refused you credit, requesting them to review their decision and/or to tell you their main reason for refusing you credit and to send you the…
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Compatible region(s):
England & Wales
Northern Ireland
Use this letter to inform your bank of an unauthorised cashpoint withdrawal that you have noticed when looking at your bank statement. The letter requests the bank to refund the money to your account.
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Debt and arrears
Compatible region(s):
England & Wales
Northern Ireland
Use this document to inform a creditor that you are having, or will have difficulties, maintaining your payments and to explain the reason why. The letter will ask the creditor to hold any action until an…
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Compatible region(s):
England & Wales
Northern Ireland
Use this document to record your income from all sources and total expenditure, and to record what your debts are and where (if applicable) you have fallen into arrears with such debts. The document…
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Compatible region(s):
England & Wales
Northern Ireland
If you are having, or know that you are about to have, difficulties making your mortgage payments, use this document to explain the problem to your mortgage lender. This document will help you outline the…
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Compatible region(s):
England & Wales
Northern Ireland
After you have completed a review of your financial circumstances using the document 'Income and expenditure statement', you can use this document to inform your creditor that you are unable at the…
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Compatible region(s):
England & Wales
Northern Ireland
After you have completed a review of your financial circumstances using the document 'Income and expenditure statement', use this document to make a proposal to your creditor for your debt, supported by…
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Debt, bankruptcy and liquidation
Compatible region(s):
England & Wales
Scotland
Northern Ireland
Use this document to generate a promissory note, which is a written promise that you – the ‘maker’ - will pay a fixed sum of money to the payee either on demand or on the date specified…
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Compatible region(s):
England & Wales
Scotland
Northern Ireland
Use this document to generate a promissory note, which is a written promise that you – the ‘maker’ - will pay a fixed sum of money by way of instalments on specified dates. The maker can…
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Identity theft recovery
Compatible region(s):
England & Wales
Scotland
Northern Ireland
This is a package of letters that is designed to help a user take appropriate action to correct bad data in their credit files following on from an identity theft. Before using this document you need to…
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Compatible region(s):
England & Wales
Scotland
Northern Ireland
You should use this document to obtain a copy of your Statutory Credit Files to find out if there is incorrect information in your files, whether this is due to identity theft or error. The document will…
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Assigning and terminating a contract
Compatible region(s):
England & Wales
This document will allow the owner of a beneficial interest in property to transfer that interest to one or more people. A person has a beneficial interest in property if they are entitled to the benefit…
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