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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

• Discrimination because of religion or belief

  Taking action about discrimination on the grounds of religion or belief, explaining when it is unlawful or not unlawful and organisations which can help.

• Backdated water bills

  What is likely to happen if water companies pursue households for the payment of water bills if they have not been paid in the past for whatever reason and what you can do about it.

• Getting financial advice

  Information on choosing a qualified financial adviser, how much advice will cost, a checklist of things to think about before seeing an adviser and how to make a complaint.

• Student housing - standards in halls

  Explains the codes of standards that universities must follow, when providing halls of residence for students. Covers repairs and maintenance, fire, electrical and gas safety, security, managing tenancy/licence agreements and how to make a complaint

• Housing

  Get advice on renting, council tax, homelessness and problems where you live

• Discrimination in housing

  Check if you're being discriminated against in your housing and find out how to solve your problem

• Taking action about discrimination in health and care services

  Check how to complain about discrimination by health and care services - including taking them to court.