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 Key points around court proceedings
- 3.3.2 What happens if I have a judgement registered against me?
- 3.3.3 How can I alter the amount I need to pay under an Instalment Order?
- 3.4.1 What happens if I fail to make payments under an Instalment Order?
- 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 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
Ask About Money
Ask about money has developed a reputation for civilised and informed discussion of financial topics in a sponsorship-free and advertising-free environment. 99% of contributors respect and value this reputation and welcome the editing of posts which damage our reputation
www.askaboutmoney.comAccord
Catholic Marriage Care Service. ACCORD is a voluntary Catholic organisation that aims to promote a deeper understanding of Christian marriage and to offer people the means to safeguard and nourish their marriage and family relationships.
ACCORD Central Office, Columba Centre, Maynooth, Co Kildare
www.accord.ie
01 505 3112 - admin@accord.ieAlcoholics Anonymous
Alcoholics Anonymous is a fellowship of men and women who share their experience, strength and hope with each other that they may solve their common problem and help others to recover from alcoholism.
General Service Office, Unit 2, Block C, Santry Business Park, Swords Road, Dublin 9, Ireland.
www.alcoholicsanonymous.ie
353 1 8420700 - gso@alcoholicsanonymous.ieAware
Aware is a national voluntary organisation providing support through depression.
72 Lower Leeson Street, Dublin 2.
www.aware.ie
01 6617211 - info@aware.ieCitizens Information
The site provides public service information for Ireland.
www.citizensinformation.ie
1890 777121Combat Poverty Agency
The Agency aims to provide a more effective response to poverty and social exclusion.
Bridgewater Centre, Conyngham Road, Islandbridge, Dublin 8
www.cpa.ie
00 353 16706746 - info@combatpoverty.ieDepartment of Justice, Equality & Law Reform
Collective mission is to help make Ireland a safer and fairer place in which to live and work, visit and do business.
94 St. Stephen's Green, Dublin 2
www.justice.ie
353 1 602 8202 - info@justice.ieFree Legal Advice Centres (FLAC)
FLAC is an independent human rights organisation dedicated to the realisation of equal access to justice for all.
13 Lower Dorset Street, Dublin 1, Ireland
www.flac.ie
00 35318745690Gamblers Anonymous
A fellowship of men and women who have joined together to do something about their own gambling problem and to help other compulsive gamblers.
Carmichael House, Quaker House, North Brunswick Street, Capwell, Dublin 7
www.gamblersanonymous.ie
01 8721133 - info@gamblersanonymous.ieIrish Nation Organisation of the Unemployed
The INOU works at local and national levels on issues affecting unemployed people.
Araby House, 8 North Richmond Street, Dublin 1
www.inou.ie
00 353 01 8560088 - info@inou.ieIrish National Association of Adult Eduation (Aontas)
Exists to promote the development of a learning society through the provision of a quality and comprehensive system of adult learning and education which is accessible to and inclusive to all.
2nd Floor, 83-87 Main Street, Ranelagh, Dublin 6
www.aontas.com
00 353 14068220 - mail@aontasIts your money
Financial regulator, independent information on financial products.
Consumer Information Department, Financial Regulator, PO Box 9138, College Green, Dublin 2
www.itsyourmoney.ie
1890 777 777 - consumerinfo@financialregulator.ieLegal Island
The leading organisers of HR and employment law seminars and training in Northern Ireland.
5 Steeple Road, Antrim, BT41 1DN
www.legal-island.com
028 94463888Marriage & Relationship Counselling Services
One of Ireland's leading counselling agencies providing services to those with problems in their personal relationships.
38 Upper Fitzwilliam Street , Dublin 2
www.mrcs.ie
1890 380380 - info@mrcs.ieMoney Advice & Budgeting Services
MABS is a national, free, confidential and independent service for people in debt or in danger of getting into debt.
Second Floor, Main Street, Ballymun, Dublin9
www.mabs.ie
1890 283 438 - helpline@mabs.ieNational Consumer Agency
Aims to defend consumer interests and to embed a robust consumer culture in Ireland.
4 Harcourt Road, Dublin 2, Ireland
www.consumerconnect.ie
1890 432432Samaritians
Samaritans provides confidential non-judgemental emotional support.
112 Marlborough Street, Dublin 1, Republic of Ireland
www.samaritans.org
01 872 770 - jo@samaritans.orgStudent Finance
A convenient and user-friendly source of information on financial support for further and higher education.
www.studentfinance.ieStudent Finance
A convenient and user-friendly source of information on financial support for further and higher education.
www.studentfinance.ieThreshold Housing Advice Agency
Their aim is to secure a right to housing, particularly for households experiencing the problems of poverty and exclusion.
21 Stoneybatter, Dublin 7
www.threshold.ie
01 6353623 - info@threshold.ie -
Age related allowances and advice
The Pensions Board
They monitor and supervise operation of the Pensions Act.
Verschoyle House, 28/30 Lower Mount Street, Dublin 2
www.pensionsboard.ie
01 6139100 - infopensionsboard.ie -
Department of Social and Family Affairs
The Pensions Board
Promoting a caring society through ensuring access to income support and other services, enabling active participation, promoting social inclusion and supporting families.
Aras Mhic Dhiarmada, Store Street, Dublin 1
www.welfare.ie
01 7043000 - info@welfare.ie -
Benefit and allowances
Department of Social and Family Affairs
Promoting a caring society through ensuring access to income support and other services, enabling active participation, promoting social inclusion and supporting families.
Aras Mhic Dhiarmada, Store Street, Dublin 1
www.welfare.ie
01 7043000 - info@welfare.ie -
Bereavement benefits, allowances and advice
Bereavement Advice Centre
Gives practical information and advice on the many procedures that face us after the death of someone close.
Bereavement Advice Centre, Ryon Hill House, Ryon Hill Park, Warwick Road, Stratford upon Avon, CV37 0UX
www.bereavementadvice.org
044 8006349494 - info@bereavementadvice.org -
Child related benefits, allowances and advice
Treoir
National Federation for Unmarried Parents and their Children.
14 Gandon House, Custom House Square, IFSC, Dublin 1
www.treoir.ie
1890 252 084 - info@treoir.ie -
Credit reference agencies
Irish Credit Bureau Ltd
Credit reference agency.
Irish Credit Bureau, ICB House, Newstead, Clonskeagh Road, Dublin 14
www.icb.ie
00 353 12600388 -
Disability benefits, allowances and advice
Assist Ireland
This online resource provides information on assistive technology and a directory of products available from Irish suppliers for people with disabilities.
Assist Ireland, Citizens Information Board, Ground Floor, Georges Quay House, 43 Townsend St, Dublin 2, Ireland
www.assistireland.ie
01890 277478 - support@assistireland.ie -
Energy assistance and official bodies
Sustainable Energy Ireland
Their mission is to promote and assist the development of sustainable energy.
Sustainable Energy Ireland, Wilton Park House, Wilton Place, Dublin 2
www.sei.ie
1850 376 666 - info@sei.ie -
Financial organisations
Bankwatch
Bankwatch.ie is a consumer interest website designed and developed to encourage Irish Financial Institutions to improve their customer services, products and services when they read your say about them on bankwatch.ie.
www.bankwatch.ie
bankwatch@eircom.netFinancial Regulator
The Financial Regulator’s remit includes monitoring the financial soundness of individual institutions, in addition to wide-ranging consumer protection powers.
Financial Regulator, PO Box 9138, College Green, Dublin 2
www.financialregulator.ie
00 353 1224 4000Financial Services Ombudsman
The Financial Services Ombudsman is a statutory officer who deals independently with unresolved complaints from consumers about their individual dealings with all financial service providers.
3rd Floor, Lincoln House, Lincoln Place, Dublin 2
www.financialombudsman.ie
1890 882090Finfacts
Finfacts is Ireland's leading business/personal finance/financial services and e-business information portal service.
www.finfacts.ie
00 6016 5033906 - finfacts@finfacts.ieIrish Bankers Federation
Leading representative body for the banking and financial services sector in Ireland.
Nassau House, Nassau Street, Dublin 2, Ireland
www.ibf.ie
01 6715311 - ibf@ibf.ieIrish League of Credit Unions
A credit union is a group of people who save together and lend to each other at a fair and reasonable rate of interest.
33-41 Lower Mount Street, Dublin 2
www.creditunion.ie
00 353 16146700 - info@creditunion.ieRevenue Commissioners
Aims to serve the community by fairly and efficiently collecting taxes and duties and implementing Customs controls.
Collector-General's Division, Sarsfield House, Francis Street, Limerick
www.revenue.ie
1890 203070 - cgcustserv@revenue.ie -
General
European Consumer Information Centre
ECC Ireland offers advice on consumer rights when buying goods or services in another European country.
European Consumer Centre, 13A Upper O'Connell Street, Dublin 1
www.ecic.ie
353 1 8090600
