Personal Development Record

Keep track of the progress you have made.

Template Letters

Bespoke letters to send to your creditors

Budgeting Tool

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

Audio Bank

Listen to phone interviews, get some tips.

Creditor List

Keep a record of all your creditors.

Spending Tracker

Keep track of all your outgoings.

Useful Contacts & Links

A collection of very useful information.

Jargon Buster

Find out what those financial terms mean.

Creditor Payment Calculator

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

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