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• 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

• Personal loans

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

• Credit brokers explained

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

• 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

• 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

• 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.

• 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

• If a company stops trading or goes out of business

  Claim money owed to you when a trader goes out of business, including checking whether they’ve gone out of business.