Resources
General guidance for organising consumer correspondence. These resources are deliberately framed as information, not advice.
Financial hardship signposting
Routes for free debt advice, council crisis support, benefits and grants, food, housing, utilities, court-fee help, Breathing Space and mental-health support.
Debt evidence checklist
Identify the debtor, original creditor, current owner, debt type, balance, last payment, court status, assignment chain, account documents and vulnerability factors.
Written-only discipline
Keep a dated correspondence log. Avoid phone-only conversations where proof and exact wording matter.
Deadline control
Court papers, Letters of Claim, SAR deadlines, complaint final-response dates and FOS referral windows should be diarised and treated separately.
Do not ignore court papers. Complaints and SARs do not pause court deadlines.