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• Check what an IVA is

  Find out how an individual voluntary arrangement (IVA) works and the type of debts you can include

• Pawnbrokers

  Information about what a pawnbroker is and what happens if you are unable to repay your loan, lose your ticket or do not collect the goods

• If you think you've bought stolen goods

  If you've bought stolen goods you need to hand them in to the police. You should then be able to get a full refund. Don't return the item to the seller yourself

• Credit sale

  Information about what credit sale is, how it works and interest-free deals

• Cancelling a service you’ve arranged

  When you can cancel a service, how to get your money back, how to negotiate with the business.

• Moving home – dealing with your energy supply

  What to tell your current supplier before you move, how to set up a new supply at your new property, where to get more help

• Check if you can increase your income

  Check you’re getting all the money you’re entitled to - including benefits, grants from charities and the Household Support Fund scheme.

• How lenders decide whether to give you credit

  Information on credit scoring, credit rating, credit reference agencies and how they decide whether or not to give you credit