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• 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.

• 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.

• 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.

• 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.

• Reporting a change while you're on ESA

  What changes of circumstance to tell the DWP about while you're getting ESA, how to contact the DWP about the changes

• 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

• Check if you can claim ESA

  Check what Employment and Support Allowance (ESA) is and if you can claim