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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

• Cancelling a loan or credit agreement

  Find out if your credit agreement is covered by the Consumer Credit Act 1974 and your rights if you want to cancel

• Reporting self-employed earnings if you get Universal Credit

  Work out your monthly earnings if you’re self employed. Find out how to report your earnings if you get Universal Credit and how to get help with doing

• If you haven’t received an accurate energy bill in a while

  What to do if you haven't received an energy bill, how much of your next bill you'll have to pay, explains the 'back billing principle', what to do if you can't pay the bill

• If your circumstances change during your IVA

  Find out what to do if your circumstances change during your IVA, like your income goes up

• How much new style ESA you can get

  Check how much ESA you could get - whether you're about to start a claim or are currently being assessed for ESA

• Grants and benefits to help you pay your energy bills

  Grants, benefits and other support, including Warm Home Discount, Winter Fuel Payment and Cold Weather Payment or Winter Heating Payment

• Banking – security and fraud

  Protecting yourself from fraud. What to do if you've had money stolen, been a victim of fraud or identity theft or if you've lost your bank cards or details