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Contents & Progress Help & FAQ's Toolbox Document Store

Toolbox

Here you will find a collection of useful tools. These relate to the programme and can also be used separately.

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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Progress - % complete

Contents & Progress

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

Template Letters

Select Creditor

Select Template

Date

Joint Account?

Ways in which you have been looking to save money (select all that apply)

Reduced expenditure on non essential items.

Researched switching suppliers on all utility bills and Insurances to ensure I am/we are getting the best deal available.

Confirmed I am/we are in the correct Council Tax banding.

Enquired to see if I am/we are eligible for any Benefits and Tax Credits.

Confirmed with the local tax office to ensure I am/we are on the correct tax code.

Ways in which you have been looking to save money (select all that apply)

Reduced expenditure on non essential items.

Researched switching suppliers on all utility bills and Insurances to ensure I am/we are getting the best deal available.

Enquired to see if I am/we are eligible for any Social welfare payments and tax credits.

Confirmed with the tax office I am/we are on the correct tax code.

How many other creditors have accepted offers?

What are you requesting the creditor to suspend?

What type of payment are you offering?

Previous letter date

Payment arrangement date

Date of death

Name of deceased

Address of deceased

What proportion of your creditors have accepted your offers?

Whose estate is it?

Whose condition is affected?

What is your monthly disposable income? (Please refer to the Totals section of the Budgeting Tool.)

Previous offer amount?

What is your reduced payment offer? (Please refer to the Creditors section of the Budgeting Tool.)

Over how many months are you planning to make the payment offer?

Payment arrangement start date

Payment arrangement end date

Final settlement payment amount?

Funds available from

Enclosed documentation

Who has been diagnosed with a critical illness?

Who is affected by the critical illness?

Enclosed documentation

Reason why your creditors should consider your offer

Our financial circumstances have changed due to

Example: I have now paid off some of my priority creditors and so can afford to make an increased payment

What are your reasons for no longer being able to make payments (50-70 words max)

Examples:

I have/my partner has recently been made redundant

I have/my partner has had to reduce my/his/her working hours causing a reduction in our income

I have recently divorced my husband/wife and I am encountering severe financial difficulties

I have/my partner has recently had a baby and I am/we are encountering severe financial difficulties

I am/my partner is currently on long term sick leave and I am/we are encountering severe financial difficulties

I have spent more than I can realistically afford and am struggling to meet the minimum monthly payments on my credit agreements

Another reason for your situation

You are currently evaluating the Moneyudoo Self Help Programme. In order to have the full benefits of the programme including being able to print letters and a financial statement please proceed to the payment page.

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