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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

• Claim using a warranty or guarantee

  How to claim using a warranty or guarantee, when to use your legal rights instead reading the small print

• Your insurer refuses your claim when you don’t give relevant information

  What your responsibilities were to give information to your insurer before 6 April 2013, to help with any disputes with insurance taken out, renewed or changed before 6 April 2013

• Who is responsible for repairing drains and sewers

  The difference between drains, lateral drains and sewers and who is responsible for repairing them, and asking a water company to adopt a private or unadopted sewer

• WaterSure scheme – help with paying water bills

  Watersure is a scheme to help save money with your water bill, if you get certain benefits and you have three or more children under 19 or someone in your house has a medical condition that means more water gets used

• Dispute a mobile, phone, internet or TV bill

  Challenge a bill if you’ve been charged too much for your phone, internet or TV. Your provider might have got your bill wrong or your bill could be high because of fraud

• Cancelling a service you’ve arranged

  When you can cancel a service, how to get your money back, how to negotiate with the business

• Check your personal alarm will work after the landline switch off

  Check how the switch to digital landlines might affect your telecare and other alarms. Check what to do to avoid problems when you switch