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The costs and charges of credit cards
debt on your credit card will always be paid off first. If you can’t pay the whole balance off, you'll usually have to pay at least a minimum payment. You can check your credit card statement to find out
If you’re struggling to pay your phone, internet or TV bill
about money you owe. Find out how to start dealing with your debts. If you miss a payment or pay late, your provider might charge you a fee. If you continue not to pay, your provider might: restrict your
If you owe child maintenance
can make a repayment offer and ask the CMS not to take court action. The offer has to be reasonable. What’s reasonable will depend on your circumstances. Child maintenance payments are a priority debt
Your energy supplier has put its prices up
help with living costs. If you’re finding it hard to pay your bills, you can get help. Find out more about getting help with your bills. You can also get help with debts. If you're struggling to pay
Top tips for borrowing
more money to pay off existing debts. Additional borrowing can seem like a good idea and may well help in the short-term, but can too often lead to more serious longer-term problems if you're
Challenging a Housing Benefit decision
of debt The tribunal will write to tell you if you’ve been given more time. If it was more than 13 months ago You can ask the council to change their decision if they made a mistake – known
If you're thinking of making a claim to an employment tribunal
to pay a fee to check. Check if your employer has a history of winding up and restarting under a new name These companies are sometimes called ‘phoenix companies’. They avoid paying their debts
Check your rights if you share accommodation
. Your landlord could deduct money from the deposit, take action to evict you all or recover the debt from any one of you or a guarantor. If one of you wants to leave If your joint tenancy is for a fixed
Student housing - your behaviour in halls
) carried out an investigation into this area. It concluded that terms to withhold graduation or progression, or to exclude students from tuition for non-payment of debts such as accommodation, which
Preparing to challenge your eviction if you've been discriminated against
- she’s been falling behind with her rent and the amount she owes keeps going up. Cam makes an offer to her landlord to start paying £5 extra on her rent every week to eventually clear her debt