Letter Templates
Either click on the link to the letter that you want or right click on link to get a menu up and then select "save as ... " Save to your computer and open the file with MS word/Excel or Open Office (free version of MS office)
Download a 
Draft Holding Letter template.
You can also download a copy of the 
British Banking Code.
You will need Adobe reader or a pdf reader.
You should write to your creditors to inform them of your circumstances.
Download a Debt Management Letter template.
Download a 
Personal Budget Plan which is designed for MS Excel and Open office. This is a powerful tool that can help you organise and see where changes in your spending can alter your overall budget for better or worse.
There is also a Sample Budget Plan to help you see how your personal Budget plan can be used.
