Chwilio

• Agreeing to direct payments

  Agreeing to receive direct payments for social care services and who is a 'suitable person' to act as a representative if you are unable to give agreement by yourself

• Debt remedy tool

  An online debt remedy tool from the debt advice charity StepChange Debt Charity to help you work out your options if you are in debt

• Letter to ask to be placed on list of unsecured creditors

  Use this letter if a trader has gone into administration or liquidation and you are owed money or want a refund

• Letter to cancel a credit agreement before it starts

  Use this letter to let a creditor know that you want to withdraw from a credit agreement before it is executed

• Letter to say you received goods or services you didn't ask for

  Use this letter to write to a trader who has sent you goods or services you didn't order or ask for. These are sometimes called ‘unsolicited goods

• Problems getting to or topping up your prepayment meter

  What you can do if you can't get to your prepayment meter, can't top it up, or can't use

• Reporting to Trading Standards

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

• Getting a permanent right to live in the UK if you have a family visa

  Check if you can apply for indefinite leave if you already have a family visa