Toolbox
CloseHere you will find a collection of useful tools. These relate to the programme and can also be used separately.
Creditor Payment Calculator
Works out the pro rata payments you need to offer to your creditors
Launch
Contents & Progress
- 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
- 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
- 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
- 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
- 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
- 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
- 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
Useful Contacts & Links
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Advice
Advice UK
Largest UK network of advice-providing organisations.
12th Floor, New London Bridge, 25 London Bridge Street. London. SE1 9SG
www.adviceuk.org.uk
0207 4074070Money Advice Scotland
An umbrella organisation which represents individuals and agencies involved in all areas of money advice (debt advice).
Suite 306 - Pentagon Centre - 36 Washington Street - Glasgow - G3 8AZ
www.moneyadvicescotland.org.uk
0141 572 0237Alcohol Concern
The national agency on alcohol misuse
64 Leman Street, London. E1 8EU
www.alcoholconcern.org.uk
0207 2640510Citizens Advice Bureau (CAB)
General advice
Visit the website or look in your phone book for your local office.
www.citizensadvice.org.uk
Citizens Advice Bureau (CAB)
General online advice
www.adviceguide.org.ukGamblers Anonymous
Help and advice for compulsive gamblers
www.gamblersanonymous.org.uk
08700 508880Money Made Clear
From the Financial Services Authority - facts about financial produce and services
www.moneymadeclear.fsa.gov.uk
0845 6061234National Drugs Helpline
Help and advice on drug use
www.talktofrank.com
0800 776600 -
Relate
Relationship Advice
Visit the website or call for details of your local office.
www.relate.org.uk
0300 1001234Rights of Women
Legal Advice for women
52-54 Featherstone Street, London. EC1Y 8RT
www.rightsofwomen.org.uk
0207 2516577Samaritans
24 hour, confidential non-judgemental emotional support.
P.O Box 9090, Stirling, FK8 2SA
www.samaritans.org.uk
0845 7909090Saneline
Support for mental illness
1st Floor, Cityside House, 40 Adler Street, London. E1 1EE
www.sane.org.uk
0845 7678000TaxAid
Advice on tax problems
www.taxaid.org.uk
0845 1203779Veterans Agency Freeline
Help and Support for UK veterans
www.veteransagency.mod.uk
0800 1692277 -
Age related allowances and advice
Age Concern
The UK's largest charity working with and for older people.
Freepost ( SWB 30375), Ashburton, Devon TQ13 7ZZ
www.ace.org.uk
0800 009966Help the Aged
Advice and support for disadvantaged older people
207-221 Pentonville Road, London. N1 9UZ
www.helptheaged.org.uk
0207 2781114Pension Credit
Information about pensions and pensioner benefits.
Visit the website or call for details of your local office.
www.thepensionservice.gov.uk
0800 991234Winter Fuel Payments helpline
Help towards fuel bills for the over 60's
www.thepensionservice.gov.uk
0845 9151515 -
Benefit and allowances
Attendance Allowance
General enquiries about attendance allowance and disability living allowance
Warbreck House, Warbreck Hill, Blackpool, Lancashire, FY2 0YE
www.direct.gov.uk
0845 7123456Benefit Enquiry Line
Information about social security benefits.
0800 882200Carer's Allowance
Information on Carer's allowance
Palatine House, Lancaster Road, Preston, Lancashire. PR1 1HB
www.direct.gov.uk
01253 856123Council Tax Benefit
Information on help towards your council tax
www.dwp.gov.ukEnitled to
Free benefits check
www.entitledto.co.ukHousing Benefit
Information on rent rebate or rent allowances
www.dwp.gov.ukIncapacity Benefit
Benefit for people who are too sick or disabled to work
www.jobcentreplus.gov.uk
0800 0234888Income Support
Information on extra money to help people on low income
www.jobcentreplus.gov.uk
0800 0556688Industrial Injuries
Information on extra money if you are ill or disabled from an accident or disease caused by work
www.jobcentreplus.gov.uk
0800 882200Working Tax Credit
Information on payments from the government
www.hmrc.gov.uk
0845 3003900Bereavement benefits, allowances and advice
Bereavement benefits
Information on the three types of benefits available
www.jobcentreplus.gov.ukCruse
Advice and support for bereaved families
126 Sheen Road, Richmond TW9 1UR
www.crusebereavementcare.org.uk
0870 1671677Widowed Parents Allowance
Information on allowance and how to apply
www.dsdni.gov.uk -
Child related benefits, allowances and advice
Child Benefit
Information on a tax free payment you can claim for your child
www.hmrc.gov.uk
0845 3021444Child Support Agency
Information on child maintenance
National Helpline, PO Box 55, Brierly Hill. DY5 1YL
www.csa.gov.uk
08457 133133Child Trust Fund
Information on a free contribution into a trust fund for your child.
Waterview Park, Mandarin Way, Washington, NE38 8QG
www.childtrustfund.gov.uk
0845 3021470Guardian's Allowance
Information on a tax free payment for people who are bringing up children whose parents have died.
www.hmrc.gov.uk
0845 3021464Lone Parents Helpline
Help and support for lone parents
255 Kentish Town Road, London NW5 2LX
www.oneparentfamilies.org.uk
0800 0185026Maternity Allowance
This may be available to help you take time off to have your baby
www.jobcentreplus.gov.uk
0800 0556688 -
Credit reference agencies
Call Credit
Credit Reference Agency
One Park Lane, Leeds, West Yorkshire. LS3 1EP
www.callcredit.co.uk
0113 2441555Equifax
Credit Reference Agency
Credit File Advice Centre, PO Box 1140, Bradford,BD1 5US
www.equifax.co.uk
0870 010583Experian
Credit Reference Agency
Talbot House, Talbot Street, Nottingham. NG80 1TH
www.experian.co.uk
0844 4818000 -
Disability benefits, allowances and advice
Dial UK
Advice for people with disabilities
St Catherine's, Tickhill Road, Doncaster. DN4 8QN
www.dialuk.info
01302 310123Disability Benefits
Enquiry line
www.dwp.gov.uk
0800 882200Disability Living Allowance (DLA)
Information and details of how to claim
Warbreck House, Warbreck Hill, Blackpool, Lancashire, FY2 0YE
www.direct.gov.uk
0800 882200Disability Rights Commission
Advice on equality and Human Rights
Freepost MID 02164, Stratford upon Avon, CV37 9BR
www.drc.org.uk
0845 7622633Energy assistance and official bodies
Energy Supply Ombudsman
For consumer disputes with member fuel suppliers
PO Box 966, Warrington. WA4 9DF
www.energy-ombudsman.org.uk
0845 0550760UK Energy Saving
Get energy efficiency ideas to reduce your bills
www.uk-energy-saving.comWarm Front
Energy Action Grants (DEFRA)
www.eaga.co.uk
0800 3166011 -
Financial organisations
British Banking Association
Leading association for the UK banking and financial services sector
Pinners Hall, 105-108 Old Broad Street, London EC2N 1EX
www.bba.org.uk
0207 2168909Building Societies Association
The trade association for all the UK's building societies
6th Floor, York House, 23 Kingsway, London WC2B 6UJ
www.bsa.org.uk
0207 4370655Council of Mortgage Lenders
Promotes a thriving environment for the UK housing and mortgage markets
North West Wing, Bush House, Aldwych. London WC2B 4PJ
www.cml.org.uk
0845 3736771Financial Ombudsman Service
For complaints about banks, building societies, insurance, investments etc.
South Quay Plaza, 183 Marsh Wall, London. E14 9SR
www.financial-ombudsman.org.uk
0845 0801800Financial Services Authority
Advice on Financial Services
Consumer Helpline, 25 The North Colonade, Canary Wharf, London. E14 5HS
www.fsa.gov.uk
0845 6061234 -
General
Consumer Direct
Provides clear, practical consumer advice.
www.consumerdirect.gov.uk
0845 4040506Digita
Check your tax code
www.digita.com/taxcentral/home/employment/taxcodecalculatorHM Revenue and Customs
Check if you qualify for disadvantage area relief
www.hmrc.gov.ukMailing Preference Service
Register your preference not to receive unsolicited sales and market mail.
DMA House, 70 Margaret Street, London. W1W 8SS
www.mpsonline.org.uk
0845 7034599My Lost Account
Service to race any lost bank or building society accounts
www.mylostaccount.org.ukNational Insurance
Rates, allowances and limits for National Insurance.
www.hmrc.gov.ukTelephone Preference Service
Register your preference not to receive unsolicited sales and market telephone calls.
DMA House, 70 Margaret Street, London. W1W 8SS
www.tpsonline.org.uk
0845 0700707The Electoral Commission
Register to vote
www.aboutmyvote.co.uk
0207 271 0500The Free Dictionary
Online Dictionary and Thesaurus
www.thefreedictionary.comTrading Standards
Report creditor harassment
www.tradingstandards.gov.uk -
Money saving
Curly Wig
Reclaiming service
www.curlywig.co.ukFrugal Living in the UK
An introduction to Frugal living
www.frugal.org.ukMoney Tailor
Switch your Mortgage and save money
www.moneytailor.co.ukThe Bill Shrinker
Click and save over £500 on your bills
www.thebillshrinker.co.ukMy Supermarket
Compare the costs of your typical trolley load
www.mysupermarket.co.ukMy Voucher Codes
Search for discounts on online shopping
www.myvouchercodes.co.uk
0208 4059221NHS
Help and advice on stopping smoking
www.gosmokefree.nhs.uk
0800 0224332Petrol Prices
Find cheaper petrol
www.petrolprices.co.ukSay no to 0870
Find local rate numbers instead of using 0870 numbers
www.saynoto0870.comThe Train Line
Pre book train tickets to reduce cost
www.thetrainline.comValuation Office Agency
Check you are in the correct council tax banding (England)
www.voa.gov.ukScottish Assessors Association
Check you are in the correct council tax banding *(Scotland)
www.saa.gov.ukVoucher Codes
Search for discounts on online shopping
www.vouchercodes.com -
Official bodies
Credit Industry Fraud Avoidance System
ID fraud prevention service
4th Floor - Central House, 14 Upper Woburn Place, London. WC1H 0NN
www.cifas.org.uk
0870 0102091Her Majesty's Court Service
Information on negotiation with your creditors
Customer Service Unit, 5th Floor, Clive House, Petty France, London. SW1H 9EX
www.hmcourts-service.gov.ukInformation Commissioners Office (ICO)
Data Protection Breaches
Wycliffe House, Water Lane, Wilmslow, Cheshire. SK9 5AF
www.ico.gov.uk
01625 545745Inland Revenue
Issues surrounding Income Tax
Your employer will provide you with details of your local Tax Office
www.hmrc.gov.ukNational Savings and Investments
Saving and Investment service backed by HM Treasury
National Savings and Investments Blackpool FY3 9YP
www.nsandi.com
0845 9645000Office of Public Sector Information
Information regarding public Acts such as the Data Protection Act
www.opsi.gov.ukRegistry Trust Limited
Registration of CCJ's
173-175 Cleveland Street, London. W1P 5PE
www.registry-trust.org.uk
0207 3800133The Office of Fair Trading (OFT)
Protection of consumer interests
Fleetbank House, 2-6 Salisbury Square, London. EC4Y 8JX
www.oft.gov.uk
08457 224499Accountant in Bankruptcy (AiB)
Scotland’s Insolvency service
1 Pennyburn Road, Kilwinning, Ayrshire, KA13 6SA
www.aib.gov.uk
0845 7626171
