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• 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 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.

• Check how Universal Credit is changing in 2026

  The amount of Universal Credit you can get will change in April 2026. Check what is changing because of the Universal Credit Bill and other benefit changes.

• 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.

• Start the work capability form for Universal Credit

  To apply for Universal Credit if you can't work because you're sick or disabled, you'll need to complete the work capability (WCA50) form.

• Going to your Universal Credit medical assessment

  If you're sick or disabled, find out how to prepare for the Universal Credit medical assessment and what the DWP’s decision means for you.

• Credit rating - impact of debt management plan

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

• What you'll need to do on Universal Credit

  Find out what you'll need to do on Universal Credit. Get information about if a change affects your claim and how the new earing rules could impact your claim.