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• Universal Credit

  Find out if you're eligible for Universal Credit if you're on a low income, make an application and get advice on any problems you have

• Challenging a Universal Credit decision - mandatory reconsideration

  If you disagree with the decision about your Universal Credit claim, you can ask for ‘mandatory reconsideration’. Find out how to challenge the decision

• Extra money and help if you get Universal Credit

  Find out about extra money and help you can get because you receive Universal Credit. You can also check what other benefits and support you can apply

• 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

• Withholding rent because repairs haven't been done

  The procedure that social housing tenants must follow if you decide to use your rent to pay for repairs and the risks of withholding rent when the landlord has not carried out repairs

• Using the right to repair scheme

  How the right to repair scheme works and the types of repairs it covers

• Creditors are still contacting you - administration orders

  Explains why creditors may still contact you while an administration order is in place and what to do if a creditor is harassing you

• Challenging a Pension Credit decision - mandatory reconsideration

  How to challenge a Pension Credit decision and apply for mandatory reconsideration

• Struggling to pay your debt management plan

  Tells you what to do if circumstances mean you are struggling to pay the debt management plan, emphasising the need to contact the provider and not ignore the problem

• Debt relief orders - what you need to know

  Explains how much it will cost to apply for a debt relief order, where and how to pay, and whether there is help available to pay the fee