Search

• Reducing your monthly mortgage payments

  Check how to cut down your mortgage costs, including how to reduce your monthly payments and switch mortgage lender

• Hire purchase and conditional sale

  Information about how hire purchase and conditional sale agreements work, the right to end a hire purchase agreement and what happens if the buyer is unable to pay

• 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 credit cards work

  Information about what credit cards are, how they work, credit limits, interest-free periods and statements

• Credit brokers explained

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

• Personal loans

  Information about secured and unsecured personal loans, how they work and how to compare different loan products

• If you’re struggling to pay your heat network bills

  Find out what to do if you're having problems paying heat network bills or you owe money. Heat networks are sometimes called communal heating or district heating.

• Guidelines for using the letter templates

  Guide on using sample letters to creditors. We've created a set of letter templates which you can use to write to your non-priority creditors

• Your energy supply

  Get advice if you're having problems with your gas or electricity supply

• Report fake or counterfeit goods

  You have the legal right to a refund if you’ve bought something that’s fake or counterfeit - how to claim, reporting traders