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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

• Ending a joint hire purchase or a conditional sale agreement - letter

  Letter to end a joint hire purchase or conditional sale agreement. You might need to do this if you can't afford the payments any more

• If you’re struggling to pay your phone, internet or TV bill

  Check what help providers can give you if you can’t afford to pay your bill - like offering a payment plan or switching you to a social tariff contract

• Faulty goods

  Consumer template letters for faulty goods. Use our template letters if you need to write about an issue with faulty goods to a supplier.

• Creditors still contacting you - debt management plans

  Explains why creditors may still contact you while a debt management plan is in place and what to do if a creditor is harassing you

• Debt management plan fees too high?

  Action you can take if you think the fees charged for your debt management plan are unfair, including a explanation of what counts as unfair

• Get compensation if you have a power cut

  How to claim compensation if your gas or electricity supply is interrupted, when you're entitled to compensation, how much you'll get

• Something's gone wrong with a purchase

  Information for if something's gone wrong with a purchase. Get help if you're a consumer who's had an issue with a purchase you've made and need advice.

• Reducing your regular outgoings

  Find out how to save on household, energy and water bills, your TV licence and travel costs

• Report a scam

  If you've been scammed, there are organisations you should report the scam to. Find out how to report a scam and what information to gather