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• If your employer says you owe them money

  for a season ticket loan saying you’d pay it all back if you leave before it’s paid off. Example Jo is a social worker and recently handed in her notice. 18 months ago her employer paid for her to attend

• How the scores are worked out

  star rating out of 5. Category 5 4 3 2 1 Category Number of complaints per 10,000 customers 5 5 or less 4 5 to 15 3 15 to 30 2 30 to 55 1 More than 55 Category Average call centre wait time (seconds

• Extending your family visa

  your visa, depending on your situation. Your visa will usually be extended for 2 years and 6 months. In some cases you can apply to live in the UK permanently instead - this is called ‘indefinite leave

• If you're being taken to court for debt

  to are called ‘creditors’. If you owe money and you don't pay it back your creditor might take you to court. You should reply to the claim as early as possible - usually within 2 weeks. If you disagree you

• Offering to let someone from Ukraine stay with you

  civil partner, or a partner they’ve lived with for at least 2 years the child aged under 18 of a Ukrainian citizen the parent of a Ukrainian citizen who you’re also planning to host You can sponsor them

• Compare energy suppliers' customer service

  Customer commitments Rating Overall rating 1 Shell Energy 3 out of 5 4 out of 5 5 out of 5 3.8 out of 5 More details 2 Outfox The Market 3 out of 5 3 out of 5 5 out of 5 3.3 out of 5 More details 3

• Getting paid less than minimum wage or living wage

  , call the Acas helpline on 0300 123 1100. They’ll confirm whether you’re entitled to minimum wage and help you work out your options. Step 2: raise a grievance Check if your employer has a formal

• If you're working too many hours

  it says in your contract or more than you think is fair being asked to do more than it's realistic to achieve in your normal working hours If you're under 18, there are special rules about your working

• Octopus Energy customer service

  , including Citizens Advice, Energy Ombudsman and the suppliers. Octopus Energy scores for October to December 2023 Overall score 2.5 out of 5 Fewer complaints received 2 out of 5 Contact waiting time 2 out

• Co-operative Energy customer service

  sources, including Citizens Advice, Energy Ombudsman and the suppliers. Co-operative Energy scores for October to December 2023 Overall score 2.2 out of 5 Fewer complaints received 2 out of 5 Contact