Personal Development Record

Keep track of the progress you have made.

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Template Letters

Bespoke letters to send to your creditors

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Budgeting Tool

Prepare your Financial Statement and keep a record of your finances.

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Audio Bank

Listen to phone interviews, get some tips.

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Creditor List

Keep a record of all your creditors.

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Spending Tracker

Keep track of all your outgoings.

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Useful Contacts & Links

A collection of very useful information.

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Jargon Buster

Find out what those financial terms mean.

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Creditor Payment Calculator

Works out the pro rata payments you need to offer to your creditors

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Introduction

• Welcome
• What will I get out of it?
• What am I going to learn?
• How do I make the best use of this Programme?
• Confidence Check
• Key Messages

Session One

• Introduction and session overview
• 1.1.1 Where am I now?
• 1.1.2 What if I do nothing?
• 1.1.3 Debt facts Information
• 1.2.1 Recognising the reasons for debt
• 1.3.1 Recognising the impact on you, your health and your relationships
• 1.3.2 The impact on my health and relationships
• 1.3.3 Identifying sources of support
• 1.4.1 Recognising your financial goals
• 1.5.1 How committed are you to achieving your goals?
• Session One Learning outcomes

Session Two

• Introduction and session overview
• Getting started - General advice
• Financial statement - Key Information
• 2.1 Working out your income
• 2.2.1 Working out your outgoings
• 2.2.2 Keeping a Spending Tracker
• 2.3.1 Working out the money left over
• 2.4.1 Listing your creditors
• 2.5.1 Prioritising your debts
• 2.5.2 Identify your Priority and Secondary debts
• 2.6.1 Allocating your available income - priority creditors
• 2.6.2 Allocating your available income - secondary creditors
• 2.6.3 Work out pro rata payments with the Creditor Payment Calculator
• 2.6.4 Working out your pro rata payments
• 2.6.5 Sending out payments to your secondary creditors
• 2.7.1 Updating your Financial Statement
• Session Two Learning outcomes

Session Three

• Introduction and session overview
• 3.1.1 The Collections Process - Initial Knowledge Check
• 3.1.2 Negotiating Do´s and Don´ts
• 3.2.1 An overview of the Debt Collection Process
• 3.2.2 Debt Collection Process - Key information
• 3.3.1 What happens if I get taken to court?
• 3.3.2 County Court proceedings
• 3.3.3 Changing the amount you need to pay under a court order (England & Wales)
• 3.4.1 What happens if I fail to make payments under a court order? (England & Wales)
• 3.5.1 What are my other legal alternatives if I can´t pay?
• 3.5.2 What have you learned about the Debt Collection Process - Knowledge Test
• 3.5.3 The Collection Process - Closing Knowledge check
• Session Three Learning outcomes

Session Four

• Introduction and session overview
• 4.1.1 Negotiation Tips
• 4.2.1 Letter Templates
• 4.3.1 Making the initial contact with your creditors
• 4.4.1 Making an offer to your priority creditor
• 4.5.1 Making an offer to your secondary creditors
• 4.6.1 What to do if they don't agree
• 4.6.2 What to do if they don't agree - To accept your offer following further contact
• 4.6.3 What to do if they don't agree - To freeze interest or charges
• 4.7.1 What to do if you can't afford to pay anything
• 4.8.1 What to do if your circumstances change
• 4.8.2 You want to pay more/less per month due to your situation
• 4.8.3 You are on a review period which is due to expire
• 4.8.4 Requesting an extension of the review period
• 4.9.1 Other situations
• Session Four Learning outcomes

Session Five

• Introduction and session overview
• 5.0.1 Negotiation Skills Initial Confidence check
• 5.1.1 Improving your confidence when negotiating on the telephone
• 5.1.2 What impression do I want to make?
• 5.1.3 How can I make a positive impression?
• 5.1.4 The words we use
• 5.1.5 Our voice tone, volume and pace
• 5.1.6 Keeping Assertive
• 5.1.7 Characteristics and consequences of behaviour
• 5.1.8 How to sound assertive
• 5.1.9 Structuring the call
• 5.1.10 Practice makes perfect
• 5.2.1 Improving your objection handling techniques
• 5.3.1 Dealing with threats and intimidation
• 5.3.2 Strategies for dealing with threats and intimidation
• 5.3.3 Know your rights
• 5.3.4 Know your rights quiz
• 5.3.5 Negotiation Skills Final Confidence check
• Session Five Learning outcomes

Session Six

• Introduction and session overview
• 6.1.1 Increasing your income - increasing your wage salary
• 6.1.2 Increasing your income - reviewing your tax situation
• 6.1.3 Increasing your income - Ensuring you are claiming all the benefits you are entitled to
• 6.1.4 Increasing your income - Generating other income
• 6.1.5 Income Boosting Action Plan
• 6.2.1 Reducing your expenditure
• 6.2.2 Ideas to reduce your expenditure
• 6.2.3 Spending Slasher Action Plan
• 6.3.1 Points to remember
• Session Six Learning outcomes

Session Seven

• Introduction and session overview
• 7.1.1 Where I am now
• 7.1.2 Am I in control?
• 7.2.1 What do I want to achieve?
• 7.2.2 Establishing my Plan for the future
• 7.3.1 How do I get there?
• 7.4.1 What could go wrong?
• 7.5.1 How can I protect myself?
• Session Seven Learning outcomes

Conclusion

• Conclusion
• Overall Learning summary
• Overall Learning outcomes analysis
• Final Confidence Check