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

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

• 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

• 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

• Misled by a debt management plan provider

  How to complain about a debt management plan provider if they have misled you in their marketing, advertising or promotion, or made other misleading claims

• Joint debts and belongings if your partner is bankrupt

  Explains what happens to any joint debts taken out with your partner, if they go bankrupt

• Other rights protected under the Human Rights Act

  Lists some of the rights protected under the Human Rights Act 1998, including rights to education, freedom of expression, non-discrimination and protection of property

• Your right not to be tortured or treated in an inhuman way

  Explains how article 3 of the Human Rights Act 1998 protects you from torture or inhuman treatment, which causes you severe mental or physical suffering

• Taking rest breaks at work

  Find out what rest breaks you should get at work and what to do if your employer won't let you take them