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• Credit brokers explained

  Explains what a credit broker is and when they are properly authorised to act.

• Claiming Universal Credit

  Get help and advice on claiming universal credit. We offer help with applying, reapplying, going for your interview and how to get an advanced payment.

• Credit agreements and creditors

  Consumer template letters for credit agreements and creditors. Use our template letters for help writing a letter for credit agreements or creditors.

• What is Universal Credit?

  What is Universal Credit and how it works - including how it's different from other benefits and what other benefits you can claim at the same time.

• Tax credit overpayments

  Tax credit overpayments If HMRC says you’ve had a tax credits overpayment Paying back a working or child tax credits overpayment Disputing paying back a working or child tax credits overpayment

• Credit Union loans

  Information about credit unions, how credit union loans work and how to find a local provider.

• Reapply for Universal Credit

  Reapply for Universal Credit if you need to claim it again. If you've claimed before, you might not have to go through the full application again.

• Payment of benefits and tax credits

  Check how benefits and tax credits are paid - usually by direct credit transfer into bank, building society or Post Office card accounts. Find out about the Payment Exception Service if you can't use an account.