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• If you need a guarantor to start renting

  You might need a ‘guarantor’ so you can rent a place to live. A guarantor is someone who agrees to pay your rent if you don't pay it, for example a parent or close relative.  If you don’t pay your landlord what you owe them, they can ask your guarantor...

• How much pension you'll need

  How much pension you'll need This advice applies to England. See advice for See advice for Northern Ireland, See advice for Scotland, See advice for Wales A pension is money you'll use to live on when you retire. Most people get a State Pension from the government, which covers your...

• When you don’t need vehicle insurance

  When you don’t need vehicle insurance This advice applies to England. See advice for See advice for Northern Ireland, See advice for Scotland, See advice for Wales The law says that you must normally have at least third party motor insurance if you drive or own a vehicle. You must...

• What you'll need to do on Universal Credit

  What you'll need to do on Universal Credit Check if a change affects your Universal Credit Changing your claimant commitment Check you’re in the right Universal Credit work-related activity group Getting a job or pay increase while on Universal Credit

• Debt management plans - what you need to know

  Debt management plans - what you need to know This advice applies to England. See advice for See advice for Northern Ireland, See advice for Scotland, See advice for Wales If you're struggling to keep up with debt payments on things like credit cards, loans and store cards, a debt...

• Debt relief orders - what you need to know

  Debt relief orders - what you need to know This advice applies to England. See advice for See advice for Northern Ireland, See advice for Scotland, See advice for Wales A debt relief order (DRO) is one way to deal with your debts if you: owe £30,000 or less - or...

• Tell your supplier if you need extra support

  Tell your supplier if you need extra support This advice applies to England. See advice for See advice for Northern Ireland, See advice for Scotland, See advice for Wales If you find it hard to deal with your energy supply you could get extra help from your energy companies. You can...

• Coronavirus - if you need to be off work to care for someone

  You might be able to get help if you’re off work caring for someone who is normally looked after another way. This might be because your child’s school is closed or an older person’s carer can’t come. You might be able to get: some or all of your pay from...

• Do you need to pay for a debt management plan?

  Do you need to pay for a debt management plan? This advice applies to England. See advice for See advice for Northern Ireland, See advice for Scotland, See advice for Wales Many debt management plan (DMP) providers charge a fee for their services but some don't. It's important to remember...

• If you need more help in the Channel Islands or the Isle of Man

  If you need more help in the Channel Islands or the Isle of Man This advice applies to England. See advice for See advice for Northern Ireland, See advice for Scotland, See advice for Wales Your local Trading Standards office might be able to help you with your consumer problems....