Personal finance
Personal finance
This part of the site provides legal information and documents relating to personal finance - everything from unfair bank charges and credit issues to dealing with debtors and repayment of debts.
To help you find what you're looking for, you can filter the available documents (by subtopic) by clicking on the tabs below, and can also limit which legal region of the UK to show results for by using the 'region' pulldown.
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Assigning and terminating a contract
A beneficial owner of property is the person that holds the 'real' value of it. This 'real' value of the property is called the Beneficial interest.
This means that, for example, the beneficial owner of…
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Use this document to assign the benefit (i.e. to transfer the benefit) of the rights you have under a contract. Most rights are capable of being assigned - for example, rights to benefits under insurance…
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Compatible region(s):
Northern Ireland
England
Wales
Price:
£36.88
Debt and arrears
Use this document to record your income from all sources and total expenditure, and to record what your debts are and where (if applicable) you have fallen into arrears with such debts. The document will…
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Online assistant available
Compatible region(s):
Northern Ireland
England
Wales
Price:
£14.99
If you are having, or know that you are about to have, difficulties making your mortgage payments, use this document to explain the problem to your mortgage lender. This document will help you outline the…
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After you have completed a review of your financial circumstances using the document 'Income and expenditure statement', use this document to make a proposal to your creditor for your debt, supported by…
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Debt, bankruptcy and liquidation
This is not a general guarantee for the payment of a debt but is only to be used as a guarantee where the creditor has commenced legal proceedings against the debtor for payment of an outstanding debt and…
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Use this document to generate a promissory note, which is a written promise that you – the ‘maker’ - will pay a fixed sum of money to the payee either on demand or on the date specified in the note. The…
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Use this document to generate a promissory note, which is a written promise that you – the ‘maker’ - will pay a fixed sum of money by way of instalments on specified dates. The maker can be a limited…
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Guarantees & assignments
If you wish to assign the payment of a debt that is owed to you to another person (the assignee), you can use this document to do so. Once this debt has been assigned and the debtor has been notified of…
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If you wish to guarantee an existing or future debt of another to a creditor, you can use this document to do so. This document is suitable whether the loan has already been given, whether the loan will…
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If you wish to guarantee the obligations of another under a contract, you can use this document to do so. This guarantee should be used after the contract has already been signed or at the same time that…
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Lending and borrowing
This is a personal loan agreement between individuals. It is appropriate for use between several individuals on either side of the contract. It is also appropriate for a fixed-sum cash loan which is…
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