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• 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

• 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

• Your energy supply

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

• 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

• 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

• If HMRC says you’ve had a tax credits overpayment

  How to check if HMRC are right about the tax credits overpayment and what to do next

• Check if a change affects your SMI

  Find out if a change you report about your benefits also affects your support for mortgage interest (SMI