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How lenders decide whether to give you credit
but have now paid it off. This is called a notice of correction. This might help you if you apply for credit in the future. How fraud can affect your credit rating When lenders search your credit reference
Buying a more energy efficient appliance
of full, half and quarter load sizes use an eco washing programme - sometimes called ‘eco 40-60’ have a spin speed of 1,400rpm Use a tool to compare appliances You can compare energy labels on the Energy
Challenging a homeless decision
application. The council might give you housing while they review their decision (this is called 'housing pending review'). You should ask for this when you request a review. If you want to challenge
Getting help with home improvements
to get a government loan to help with interest payments. This is called 'support for mortgage interest’ (SMI). You might get SMI if you’re getting: Universal Credit Pension Credit income-based
State Pension
and contributions that are credited to you when you are unable to work. You can get an estimate of how much State Pension you could get on GOV.UK. This is called a State Pension Statement. Check
Getting a bank account
Service Exchange Tower London E14 9SR Consumer helpline: 0800 023 4567 (free for people phoning from a landline) or 0300 123 9123 (free for mobile-phone users who pay a monthly charge for calls
Understanding your tenancy agreement
not discriminate against you because of your disability, gender reassignment, pregnancy or maternity, race, religion or belief, sex or sexual orientation. These are called ‘protected characteristics
Getting benefits if you’ve recently moved to the UK
to show you’re habitually resident. You'll usually need to show you’ve been in the UK, Ireland, Channel Islands or Isle of Man for 1 to 3 months - this is called an 'appreciable period of time'. If you
Making
is dealing with their estate (for example, money and property) must usually get authorisation to do so from the Probate Service. If there is a will, this authorisation is called a grant of probate
Check if your family members can get pre-settled status or settled status
citizenship after you came to the UK - this is called ‘naturalising’ you were born in Northern Ireland If you lived with them in the EU, EEA or Switzerland while the UK was part of the EU