Chwilio

• Challenging a Universal Credit decision - mandatory reconsideration

  If you disagree with the decision about your Universal Credit claim, you can ask for ‘mandatory reconsideration’. Find out how to challenge the decision

• Check the terms of your employment contract

  Check if you’ve got a written statement from your employer and what other documents to look

• Getting a refund for a cancelled or delayed train

  How to get a refund or compensation for a cancelled or delayed train. You need to keep your tickets to get a refund and should try to claim within 28 days

• If you need a guarantor to start renting a home

  Check what it means to have a guarantor for your rent. Check what their responsibilities are and when the guarantee agreement ends

• Struggling to pay - administration orders

  Action you can take if a change in circumstances makes it difficult to repay your administration order. Covers what creditors might do if you miss payments, review hearings and revoking the order

• Writing off some of your debt if you apply for an administration order

  Tells you how to ask for a composition order, as part of an administration order, to get part of your debt written off

• Credit brokers explained

  Explains what a credit broker is and when they are properly authorised to act

• Taking action over credit brokers

  Explains how to get your money back from a credit broker, if they have taken payment from you without your permission