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• Accidents and illness when travelling independently

  some or all of the money back. You can check what the rules are in different countries on the NHS choices website. If you have to pay for treatment and are entitled to the money back you should try

• Indirect discrimination in the provision of goods and services

  . When is it indirect discrimination? Indirect discrimination is when a trader or service provider has a practice, policy or rule which applies to all its customers, but it has a worse effect on some

• Don't miss a parcel delivery

  Customer Services Telephone: 02476 937 770 Monday to Friday, 7am to 8pm Saturday 8am to 6pm Your call should be free if either: your contract includes all calls to landlines  you’re within your free minutes

• Preparing your paperwork - administration order

  in the form, get all your debt paperwork together. For example, all your letters, statements and credit agreements. Try and sort out the letters so that you have a pile for each debt. On a separate sheet

• Check how much a call will cost

  on their website. 01 and 02 - geographic numbers Your call should be free if either: your contract includes all calls to landlines  you’re within your free minutes allowance for calls to landlines Calls

• Collecting information about your debts

  Making a list of your debts Collect together all the information about your debts, such as contracts, bills and statements. Your debts might for example include: rent arrears credit card debts council

• Rules debt management plan providers must follow

  Rules debt management plan providers must follow This advice applies to England. See advice for See advice for Northern Ireland, See advice for Scotland, See advice for Wales All debt management plan

• Problems with your travel insurance claim

  , check your policy to make sure you have a right to complain you must first complain to your insurer using their internal complaints process keep copies of all correspondence in case you need to take

• Rent and mortgage arrears - administration orders

  (AO) is a formal and legally-binding agreement between you and your creditors to pay back your debts over a period of time. One of the main principles of administration orders is that all of your

• Check how council tax works and if you have to pay

  people get a discount. Valuation bands All homes are given a council tax valuation band by the Valuation Office Agency (VOA). The band is based on the value of your home on 1 April 1991. A different