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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Assigning and terminating a contract

Use this document to assign the benefit (i.e. to transfer the benefit) of the rights you have under a contract. Most rights are capable of being assigned - for example, rights to benefits under insurance… Read more
Price: Free
Compatible region(s): England Wales
A beneficial owner of property is the person that holds the 'real' value of it. This 'real' value of the property is called the Beneficial interest. This means that, for example, the beneficial… Read more
Price: Free
Compatible region(s): Northern Ireland England Wales
Use this document to assign the benefit (i.e. to transfer the benefit) of the rights you have under a contract. Most rights are capable of being assigned - for example, rights to benefits under insurance… Read more
Price: Free
Compatible region(s): Northern Ireland England Wales
This pack contains all the documents you may need when terminating or assigning a contract including Buyer's notice to end a contract, Letter giving notice of termination of contract, Notice of… Read more
Price: Free

Credit issues

Compatible region(s): Scotland Northern Ireland England Wales
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… Read more
Price: Free
Compatible region(s): Scotland Northern Ireland England Wales
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… Read more
Price: Free
Compatible region(s): Northern Ireland England Wales
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… Read more
Price: Free
Compatible region(s): Northern Ireland England Wales
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… Read more
Price: Free
Compatible region(s): Northern Ireland England Wales
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. Read more
Price: Free

Debt and arrears

Compatible region(s): Northern Ireland England Wales
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… Read more
Price: Free
Compatible region(s): Northern Ireland England Wales
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… Read more
Price: Free
Compatible region(s): Northern Ireland England Wales
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… Read more
Price: Free
Compatible region(s): Northern Ireland England Wales
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… Read more
Price: Free
Compatible region(s): Northern Ireland England Wales
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… Read more
Price: Free

Debt, bankruptcy and liquidation

Compatible region(s): Northern Ireland England Wales
This is not a general guarantee for the payment of a debt but is only to be used as a guarantee where the creditor has commenced legal proceedings against the debtor for payment of an outstanding debt and… Read more
Price: Free
Compatible region(s): Scotland Northern Ireland England Wales
This letter is for situations where a person or business has said that you owe them money in relation to goods or services and you're in dispute over it. You can use it to try and settle the matter by… Read more
Price: Free
Compatible region(s): Scotland Northern Ireland England Wales
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… Read more
Price: Free
Compatible region(s): Scotland Northern Ireland England Wales
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… Read more
Price: Free

Guarantees & assignments

Compatible region(s): Northern Ireland England Wales
If you wish to assign the payment of a debt that is owed to you to another person (the assignee), you can use this document to do so. Once this debt has been assigned and the debtor has been notified of… Read more
Price: Free
Compatible region(s): Scotland Northern Ireland England Wales
If you wish to guarantee an existing or future debt of another to a creditor, you can use this document to do so. This document is suitable whether the loan has already been given, whether the loan will… Read more
Price: Free
Compatible region(s): Northern Ireland England Wales
If you wish to guarantee the obligations of another under a contract, you can use this document to do so. This guarantee should be used after the contract has already been signed or at the same time that… Read more
Price: Free

Identity theft recovery

Compatible region(s): Scotland Northern Ireland England Wales
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… Read more
Price: Free
Compatible region(s): Scotland Northern Ireland England Wales
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… Read more
Price: Free

Lending and borrowing

Compatible region(s): England Wales
This is a personal loan agreement between individuals. It is appropriate for use between several individuals on either side of the contract. It is also appropriate for a fixed-sum cash loan which is… Read more
Price: Free

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