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How lenders decide whether to give you credit
victim of fraud, CIFAS members must also send you a letter telling you that there is a CIFAS warning against your name. A CIFAS Member is not allowed to refuse an application or cancel a service you
Using mediation to help you separate
. Some mediators will send you a form like this to fill in before your first appointment. It’s important that you and your ex-partner are honest when you talk about your finances. If your ex-partner later
Switching from pre-settled to settled status
status under the EU Settlement Scheme, it lasts for 5 years. At the end of the 5 years, it will automatically extend by another 2 years. The Home Office will send you an email to confirm the extension
Proving your right to work in the UK
you applied. Talk to an adviser if you need help complaining to the Home Office or contacting your MP. Getting a share code You can apply for a share code online. When you get it, you can send
Getting financial advice
their consumer helpline on 0300 123 9 123 (8am to 6pm Monday to Friday). There’s also a special complaints form you can download and send to them by post. For more details, go to www.financial
Check if your immigration status lets you get benefits and help with housing
other public services - for example you can send your children to state schools. If you have permission to be in the UK, you can use the NHS without paying - unless you have a visitor visa or you
Get help paying for energy efficiency home improvements
supplier might ask you for evidence to show that you’re eligible - for example, a letter from the benefit office or some payslips. If you’re worried about sending over personal documents, ask to read
Choosing your energy tariff
you use. This makes budgeting and planning harder. Your supplier will contact you if your rate changes - they might send a letter or email. Suppliers can charge different rates for their standard
Preparing for your JSA interview
-employed eventually. For example by sending you on a course about setting up a business. Decide how much you'll need to earn You can say how much you're willing to work for during the first few months
Getting a bank account
and they haven't been able to help you, you can make a complaint to the Financial Ombudsman Service. You must give your bank or building society at least eight weeks to sort the problem out, unless they send you