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• Contact us about a Universal Credit application

  Get help making a new claim for Universal Credit, from the making the application through to getting your first correct payment.

• If you’re struggling to pay your credit card

  Find out what to do if you are struggling to pay your credit card debt and how you can start to clear the debt you have.

• Credit rating - impact of debt relief order

  Explains that a debt relief order must be noted in your credit reference file and how it affects your credit rating, making it hard to get credit in future.

• Credit rating - impact of debt management plan

  Explains how having a debt management plan may affect your credit rating.

• Letter to cancel a credit agreement before it starts

  Use this letter to let a creditor know that you want to withdraw from a credit agreement before it is executed.

• If your Income Support has stopped

  Find out why your Income Support payments have stopped and how to get them started again

• Checklist for deciding if an administration order is right for you

  Checklist to help you decide whether an administration order is the best solution for dealing with your debt problems

• Pensions

  Overview and content list for pensions. Read our advice about the types of pensions, starting a pension and getting ready for your Pension Wise appointment.

• If your bank account is frozen after you go bankrupt

  Find out what to do if your bank account is frozen after you go bankrupt, including how to open a new account or get a prepaid debit card

• County court judgments and your credit rating - overview

  How to find out if a CCJ has been made against you and change or remove an entry in the Register of Judgments, Orders and Fines