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Get ready for your Pension Wise appointment
, energy and food, along with leisure time and one-off costs like home improvements. This should help you come up with a realistic sense of your expenditure, and what income you need. Step 6: have
Making a controlled goods agreement
to pay £25 a month after paying your other essential costs. Make sure you leave enough money to pay for essential things like food, rent, mortgage and energy bills. If you have time you could use
If you've been refused a Blue Badge
your doctor, physiotherapist or another medical expert proof of your address, such as energy or council tax bills - if your local council don’t think you really live in the area proof of your identity
Discrimination in the provision of goods and services - why are you treated unfairly
advice for Wales If you’ve been treated unfairly by a trader or service provider, like a shop, bank or energy provider and it’s because of who you are, you may have been discriminated against. The law
Check what benefits you can get
to other financial help like cost of living payments and discounts on energy and transport. Use a benefits calculator Benefits calculators can tell you what benefits you might get and how much money you
Direct discrimination in the provision of goods and services
been treated differently and worse by a trader or service provider like a bank, energy provider or a local authority and it’s because of who you are, it could be direct discrimination. If you’ve been
Buying a home
, including life insurance, buildings and contents insurance heating bills. An energy performance certificate can help you work out how energy efficient your property is. You will have to pay a deposit
Collecting information about your debts
tax arrears energy or water bills money you’ve borrowed from friends or family Make a list of your debts and write down the details of each debt. These details might include: who you owe the money
Contact us
with something you’ve bought or a service you've received You can contact our consumer service if you have a consumer issue like broken or faulty goods, or problems with energy, water or post. The consumer
Check if you have to pay a debt
If you signed the contract with the gas or electricity company or requested the supply, you'll usually be responsible for paying the energy bill. If you’re not sure, find out if you’re responsible