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Making
making the will in the presence of two witnesses and signed by the two witnesses, in the presence of the person making the will, after it has been signed. A witness or the married partner
Vehicle insurance
insurance at www.ageuk.org.uk. You can find out about Age UK's travel insurance at www.ageuk.org.uk. Motor cycle insurance There are two main types of insurance: specified cycle policy - covers you
Complaining about your water company
has a complaints procedure which is usually in two stages. If you write to the company, you should receive a reply within ten working days. If the company doesn’t reply in this time, they must pay
If a creditor takes money from your wages
and pays £50 a month to two creditors. If he has a consolidated attachment of earnings order, the court will take £5 a month and pay £45 to his creditors. If you already have an attachment of earnings
Applying for Universal Credit
eligible for Universal Credit. Your childcare costs You can claim up to 85% of your childcare costs if you: are working have worked in the last two months are going to start working in the next two months
The costs and charges of credit cards
charges on the Money Saving Expert website. Insuring your credit card When you apply for a credit card, you may be offered insurance. There are two main types of insurance you are likely to be offered
Creditor trying to make you bankrupt
of two methods: sending or giving you a statutory demand - this is a legal notice about the money you owe. If you don't pay or come to an arrangement to pay within 21 days, or get the statutory demand
Young people and family
is a legal relationship which can be registered by two people. Civil partnerships are available to both same-sex couples and opposite-sex couples. Registering a civil partnership will give your
Getting married
ceremony at an approved building The ceremony must be attended by both parties, two witnesses, the person who conducted the ceremony and, if that person is not authorised to register marriages
Starting your Universal Credit claim
security to your account called ‘two-factor authentication’ - this is optional. If you agree, you’ll be sent a one-time passcode to your mobile phone. You’ll then need to enter this code on your account