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Selling a home
, or in Northern Ireland, the Rate Collection Agency responsible for rates collection. If the buyer is paying a deposit, this will be paid to your solicitor at exchange of contracts. The solicitor will hold
Dividing up money and belongings when you separate
sense for one of you to stay in the home if there isn’t much 'equity' in it. Equity is how much money is left from a sale after you’ve paid off your mortgage. Example If your home sells for £250,000
Check if a change affects your tax credits
it later. If you tell HMRC late you could get paid too much and have to pay your tax credits back to HMRC. This is called an overpayment - check how HMRC deals with overpayments. If you’ve been told
What to do after a death
paid for their funeral already. This is called a funeral plan. If you don’t know if there’s a funeral plan, you can: check the will ask the person’s close friends and relatives ask local funeral
Applying for British citizenship
character won't be affected, as long as you've paid them. It’s important to be honest and include anything that’s relevant to your application - for example, a criminal conviction. If the Home Office
Grants and benefits to help you pay your energy bills
Jobseeker’s Allowance income-related Employment and Support Allowance Universal Credit support for mortgage interest If you're eligible, you'll get paid automatically. Check if you can get a Cold Weather
Before you get building work done
a contract in writing before you give the go-ahead. If the contractor doesn’t do what you agreed, a written contract can help you get what you paid for, or at least get some of your money back
What counts as disability discrimination
, railway stations, churches, doctors, law courts and public transport. It does not matter whether the service is free or has to be paid for. Generally speaking, insurance companies are not allowed
Check your options for getting out of debt
a DRO but your situation improves during the 12 months - for example if your income goes up or you get a payment for backdated benefits, the DRO can be stopped. If you paid an application fee, you won't
Challenging what the CMS says you should pay
. If a change in circumstances means you’ve paid too much If you have arrears, any overpayments could be used to help pay them off. If you don’t have any arrears, you’ll pay less until you’ve got