Understand what’s in front of you.
Plain-English information, with the original sources a click away.
↳ A little less overwhelming.
A letter. A call. A lot of questions. Start with plain-English guidance and free help, then take it from there.
A place to start
Pick the one that sounds like you.
We’ll point you to a useful source.
Moneysmart explains how to ask for the contract and a statement showing the amount and how it was calculated.
Read Moneysmart’s guidanceStart with a question
The idea is simple
A small, practical toolkit to help you make sense of the situation and put your reply into words.
A little about DebtReplyPlain-English information, with the original sources a click away.
Five free letters to personalise. You choose what to say and whether to send it.
Explore the lettersFind free help from the National Debt Helpline and other trusted services.
Explore free helpA person on your side
Free help: The National Debt Helpline puts you in touch with a free financial counsellor.