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If you don’t pay your water bill
extra costs. It will also mean that your credit rating isn’t affected. Each water company should have a code of practice for dealing with customers who owe money. Contact your company to ask for a copy
How a creditor can get information about your finances
also use a budgeting tool. Before attending the court you'll also need to collect evidence of your financial situation. You'll need all your financial paperwork, such as: bank statements credit
Charging orders
will decide whether to make an order for sale or not. A creditor can't get an order for sale if both: you owe less than £1,000 - including any court costs your debt is covered by the Consumer Credit
Challenging a rent increase
asking the tribunal to change the date of your rent increase if you can prove you'll have problems. They don't have to agree to change the date. If you get Housing Benefit or Universal Credit If you
If you want to sell your home and rent it back
might not be able to claim the housing element of Universal Credit or Housing Benefit until 5 years after you sold your home. You might be able to claim benefits if you had to use sale and rent back
Choosing a debt management plan provider
court action that the DMP may affect your credit rating of the importance of meeting priority payments, for example, mortgage, rent and utilities not to ignore letters and contact from creditors Your
Get airline compensation for lost or delayed luggage
for things you had to buy because of a delay proof of purchase for lost or damaged things, eg receipts or credit card statements photos of any damage to your luggage or contents cost estimates for any
Vehicle insurance – making a claim if you’re in an accident
wasn’t your fault you may be able to use a credit hire company rather than your insurance company. For more information see Car insurance - if the accident wasn’t your fault If the driver
Travel insurance
or credit card. You should check how much you're paying for this and what kind of cover it offers. For example, cover may be limited for your spouse or partner. It might be better to buy a stand alone
Asking your employer for changes to help you if you’re disabled
or other doctor might have suggested adjustments in a ‘fit note’. If you’re claiming Universal Credit, your work coach might be in touch with the Disability Employment Adviser, who might also be able