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• Universal Credit payments if you're self-employed

  Find out how your self-employed Universal Credit payments work, including how the DWP calculates your payments based on your income floor.

• 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.

• 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.

• Challenging a Universal Credit decision - mandatory reconsideration

  If you disagree with the decision about your Universal Credit claim, you can ask for ‘mandatory reconsideration’. Find out how to challenge the decision.

• 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.

• 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.

• 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.