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• Tax credit overpayments

  Tax credit overpayments If HMRC says you’ve had a tax credits overpayment Paying back a working or child tax credits overpayment Disputing paying back a working or child tax credits overpayment

• Credit Union loans

  Information about credit unions, how credit union loans work and how to find a local provider.

• Claim back credit

  Information about claiming back credit from your energy supply. Check if your previous energy supplier owes you money and claiming back credit.

• Working and child tax credits

  Check what to do if you have a problem with your working or child tax credits. Check how to challenge an overpayment decision.

• Challenge a tax credits decision

  Challenge a tax credits decision Appealing a tax credits decision at a tribunal Challenging a working or child tax credits decision - mandatory reconsideration

• Payment of benefits and tax credits

  Check how benefits and tax credits are paid - usually by direct credit transfer into bank, building society or Post Office card accounts. Find out about the Payment Exception Service if you can't use an account.

• How credit cards work

  Information about what credit cards are, how they work, credit limits, interest-free periods and statements.

• 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 it.

• Choosing and applying for a credit card

  Information on what to look out for when choosing and applying for a credit card.

• Getting the best credit deal

  Advice on getting a good best deal when borrowing money, including comparing credit products, costs involved, terms and conditions and checking whether you can afford the repayments.