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• Writing off some of your debt if you apply for an administration order

  Writing off some of your debt if you apply for an administration order This advice applies to England. See advice for See advice for Northern Ireland, See advice for Scotland, See advice for Wales

• Student housing - living in halls

  students. This page provides some information about university halls of residence and what your housing status is likely to be if you live in one. This information does not cover accommodation in private

• If your circumstances change during your IVA

  started a new job or got some inheritance money. If you don’t tell your insolvency practitioner you'll have broken your IVA agreement. Your insolvency practitioner will be able to find out about your

• Getting a refund for a cancelled or delayed train

  to get some money back. Some train companies will also give you compensation if your train is more than 15 minutes late. You need to keep your train tickets to get a refund. You should try to claim

• Public functions - when discrimination is not unlawful

  against you. This is unlawful under the Act. But there are some exceptions in the Act where discrimination isn't unlawful. Read this page to find out more about when a public authority is allowed

• Maternity pay - how much you can get

  or 90% of your average weekly pay (before tax) - whichever is less You may have to pay some tax and national insurance on this. Your average pay includes any sick pay, holiday pay, back pay, bonuses

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

  . You might be able to get: some or all of your pay from your employer time off without using your annual leave If your employer says you have to work Think about whether you’d be able to do your job

• Finding free or affordable legal help

  is. Getting legal aid If your case is serious and you can’t afford to pay your legal costs, legal aid might pay some or all of them. You might get legal aid if, for example: you or your children are at risk

• Complaining to an ombudsman

  with the organisation before you complain to an ombudsman. The ombudsman might be able to deal with your complaint more quickly in some situations. Tell them if: you’re in a vulnerable situation - for example

• Credit rating - impact of debt relief order

  a DRO could affect your credit rating. Your bank account The Official Receiver won't tell your bank about your DRO, unless your bank is listed as a creditor. But some banks automatically check whether