Chwilio

• Backdated water bills

  What is likely to happen if water companies pursue households for the payment of water bills if they have not been paid in the past for whatever reason and what you can do about

• Solve an ongoing consumer problem with a business seller

  The steps you can take if you’ve approached a seller about a problem with a product or service and you’re not getting anywhere, including alternative dispute resolution (ADR

• Information landlords ask for when you start renting

  Find out what types of checks your landlord or letting agent will make before you start renting - for example credit checks and reference checks

• Ask non-priority creditors to write off a debt - letter

  Letter for when you can't make an offer of repayment and your circumstances are not going to improve

• Ask non-priority creditors to write off a debt - joint letter

  Letter for when you can't make an offer of repayment on a joint debt and your circumstances are not going to improve

• Reporting to Trading Standards

  Report a trader who has broken the law by contacting the Citizens Advice consumer service or Advice Direct Scotland

• Direct payments - who can have them

  Who has an automatic right to receive direct payments to buy social care services, who may be allowed to receive them and who is excluded from having them

• How to get a debt relief order

  Sets out the steps you need to follow in the process of applying for a debt relief order