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• What to do if you've been sanctioned while on Universal Credit

  Check what you can do if you've been sanctioned on Universal Credit. Check how to challenge an unfair sanction and what you can do to avoid future issues

• Reporting to Trading Standards

  Report a trader who has broken the law by contacting the Citizens Advice consumer service or Advice Direct Scotland.

• Complaining about a vet

  What to do if you have a complaint against your vet for negligence or misconduct

• How to get a debt management plan

  Things to think about before you set up a debt management plan. Read about the steps you should follow to get a debt management plan

• Co-op Energy customer service

  Customer service contact details and scores for Co-op Energy. Find out how well Co-op Energy customer service performs and how to contact them

• Utility Warehouse customer service

  Customer service contact details and scores for Utility Warehouse. Find out how well Utility Warehouse customer service performs and how to contact them

• ScottishPower customer service

  Customer service contact details and scores for ScottishPower. Find out how well ScottishPower customer service performs and how to contact them

• EDF Energy customer service

  Customer service contact details and scores for EDF Energy. Find out how well EDF Energy customer service performs and how to contact them

• Holding letter for joint account - ask creditors to hold off

  You can use this letter to ask creditors to hold off for a short period while you work out your budget or get advice. This template is to be used for guidance.

• Make sure your redundancy is genuine

  Check what reasons your employer can give for making you redundant. Find out about signs that your redundancy might not be genuine