Chwilio

• End a hire purchase or a conditional sale agreement - joint letter

  Letter to end a joint hire purchase or conditional sale agreement. You might need to do this if you can't afford the payments any more

• Paying for sewerage

  What you are paying for when you pay public sewerage charges including water drainage, surface water drainage, highway drainage and land drainage

• Offsetting rent arrears because repairs haven't been done

  How rent arrears for social housing tenants can be offset against the damages for not making repairs if your landlord is taking possession proceedings against you because of rent arrears

• If your visa application is delayed

  How to find out what is happening to your visa, if it is delayed and you are waiting for a decision

• Report human trafficking

  How to identify and report human trafficking if someone you know is a victim of trafficking

• Complain about an insolvency practitioner

  Find out the steps to complain about the insolvency practitioner dealing with your individual voluntary arrangement (IVA

• Choosing voluntary redundancy

  Work out if voluntary redundancy is right for you, and know when it affects benefits, mortgage protection or early retirement

• Credit rating - impact of debt relief order

  Explains that a debt relief order must be noted in your credit reference file and how it affects your credit rating, making it hard to get credit in future