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• Living together and marriage - legal differences

  Differences between how the law treats married and cohabiting couples including financial matters, responsibility for children and housing

• Before you apply for Universal Credit

  Information for before you apply for Universal Credit. Find out more about what Universal Credit is, check if you're eligible and how it's paid.

• Switching from prepayment to paying by credit

  Replace your prepayment meter or switch your smart meter over so you pay for energy after you use it instead of paying in advance

• Paying off a credit agreement early

  Find out if your credit agreement is covered by the Consumer Credit Act 1974 and how to pay it off early.

• Get a Universal Credit advance payment

  How to get an advance payment of Universal Credit if you don't have enough money to get by while you're waiting for your first Universal Credit payment.

• How to start a Universal Credit claim

  Find out how to start a Universal Credit claim. Before you start you’ll need to check if you're eligible for Universal Credit.

• If your Universal Credit is reduced or stopped

  Find out why your Universal Credit payment might be reduced or stopped, and advice on what you can do about it. You'll be notified if your payment changes.

• Taking action over credit brokers

  Explains how to get your money back from a credit broker, if they have taken payment from you without your permission.

• Credit rating - impact of an administration order

  Explains how having an individual voluntary arrangement could affect your ability to apply for credit.

• Check if an IVA is right for you

  Check these steps to help you decide if an individual voluntary arrangement (IVA) is the best way to deal with your debt problems