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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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Personal finance
Products
Credit issues
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Short description:
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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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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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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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
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Short description:
Use this document to inform a creditor that you are or will be in difficulties maintaining your payments and to explain the reason why. The letter will ask the creditor to hold from taking any action in…
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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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If you are having difficulties, or know that you will within a relatively short period have difficulties meeting the payments due under your mortgage, you can use this document to help you to explain the…
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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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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 in respect of your debt…
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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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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 and credit improvement
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Short description:
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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Short description:
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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