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• How lenders decide whether to give you credit

  Information on credit scoring, credit rating, credit reference agencies and how they decide whether or not to give you credit.

• Stopping a future payment on your debit or credit card

  Information about your rights to stop a future credit or debit card payment, by phone, email or letter, and how to get your money back if money is taken from you account against your wishes.

• 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

• Claim back credit from your energy supplier

  Why your bill might be in credit, when to consider claiming back credit, how to claim back credit.

• Getting a job or pay rise while on Universal Credit

  Find out what to do if you get a job or pay rise, when you can refuse a job offer and how a job or increased pay will affect your Universal Credit payment.

• Problem with an app, software or download

  Your right to a refund or repair if there’s a fault with digital content like software, downloads and apps

• Check if you can get 'new style' JSA

  Check if you can claim 'new style' Jobseeker's Allowance (JSA) - and how much you'll get - while you look for a full-time job

• You can't afford to top up your prepayment meter

  Ways you can make your prepayment meter more affordable, and how to get gas or electricity urgently if you've run out of credit

• What to do if you've been sanctioned while on Universal Credit

  Check what you can do if you've been sanctioned on Universal Credit. Check how to challenge an unfair sanction and what you can do to avoid future issues.

• Letter to make a claim for equal liability from a credit provider

  Letter to credit provider claiming equal liability for goods or services bought on credit.