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• Dealing with the official receiver after bankruptcy

  Explains what to expect when dealing with the official receiver after a bankruptcy order has been made

• 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

• Payday loans - reasons to complain about your lender

  What you can complain about if your payday lender doesn’t follow the Good Practice Customer Charter rules

• Discrimination

  Check if you've experienced discrimination under the Equality Act 2010 and what you can do about

• Universal Credit

  Find out if you're eligible for Universal Credit if you're on a low income, make an application and get advice on any problems you have

• Dealing with income tax arrears

  What happens if you miss the income tax deadline, including what the penalties are for not paying tax on time, and how to negotiate a time to pay agreement with HMRC

• Living together and marriage - legal differences

  Differences between how the law treats married and cohabiting couples including financial matters, responsibility for children and housing

• Consumer template letters

  View our consumer template letters. We have a range of letter templates available for consumer issues, from faulty goods to credit agreements

• If your Housing Benefit is stopped or reduced

  Find out why your Housing Benefit payments have changed and what you can do about

• Disability discrimination and energy suppliers

  Check if your energy supplier has discriminated against you if you’re disabled and what reasonable adjustments they should make so you can use their services