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• The council says you've had a Housing Benefit overpayment

  Check if you’ve actually been overpaid Housing Benefit and find out how to challenge a overpayment

• Check if you have to pay a debt

  How to check liability for a debt, including time limits on debts and how to challenge a debt you think you might not be liable

• 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

• 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

• How to claim Housing Benefit

  How to claim Housing Benefit, including if you can backdate your claim. How to claim a Discretionary Housing Payment too

• Check if your child can get a permanent right to live in the UK

  Check if your child can get indefinite leave to live in the UK, including the rules about your income

• Credit rating - impact of an administration order

  Explains how having an individual voluntary arrangement could affect your ability to apply for credit

• Taking action over credit brokers

  Explains how to get your money back from a credit broker, if they have taken payment from you without your permission

• Borrowing money

  Overview and content list for borrowing money. Read our advice including types of borrowing, getting the best deal and some tips for lending money