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What to do if your mobile phone is lost or stolen
contracts - if you have a pay-as-you go contract, you might not get a refund for any credit that’s used before you report the loss. If your network charges you the full amount for the calls made
Carers: help and support
on. This is called the minimum income guarantee and is equivalent to income support or the guarantee credit element of pension credit, plus 25 per cent. If you’re unhappy with the assessment If you disagree
Creditors still contacting you - debt relief orders
the DRO period, there are some situations where they might continue contacting you. These include: to give you information about your account to follow the rules of the Consumer Credit Act, which may
Payday loans - reasons to complain about your lender
continuous payment authority (CPA) works and your right to cancel it. CPA is where you agree to pay the loan by making a series of deductions from your credit or debit card the lender didn’t tell you
Move your gas or electricity meter
or practical for you, check how to move from prepayment to paying by credit. If your prepayment meter needs moving and you’re on the Priority Services Register, your energy supplier should move your meter
What is an administration order
on your credit file. When the administration order ends, the court will change the record on the register to say the administration order has been paid off. Next steps Is an administration order is right
If you need a guarantor to start renting
to pay the rent in the same way they've checked your ability to pay. For example, by carrying out a credit check. There is a legal requirement for a guarantee agreement to be in writing. The agreement
Creditor takes money from your bank account
include money owed on personal loans, credit cards, overdrafts or hire purchase agreements. The Child Maintenance Service can also take money from your bank account for child maintenance arrears
Avoiding creditors making you bankrupt
on your credit rating and other aspects of your day-to-day life, but the effects are likely to be less drastic than bankruptcy. More about different debt solutions Negotiating with your creditor If you
Q12: making decisions about money
, for example utility bills, credit card bills budgeting for bigger things, such as a TV or sofa It’s about the decisions you need to make rather than whether you can physically get money out of a purse