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• Letter to ask for a refund or alternative when a package holiday is changed

  Use this letter to ask for a refund or alternative if a package holiday you're going on has been changed

• Individual voluntary arrangements (IVAs)

  Find out if you're eligible for an IVA, how to make an application and get advice on solving any problems you have

• Benefits and concessions for the armed forces, veterans and their families

  Information on financial help available to people currently serving in the armed forces, veterans and dependents, covering benefits, help with school, child care and travel costs and sources of further help

• If your home is on a heat network

  Find out what a heat network is and check what to do if you have problems with your heat network supplier

• Dealing with Council Tax arrears

  What happens when you miss a council tax payment, and how to negotiate with your council to pay what you owe in smaller amounts

• Check if you can get your money back after a scam

  Find out when you're likely to get a refund following a scam, and how to claim

• If you've been accused of child abuse

  What to do if you are accused of abusing or neglecting a child, including the importance of seeking legal advice

• Harassment by creditors

  How creditors are supposed to behave when they are trying to recover their money, what kind of behaviour is not acceptable and how to tell if you are being harassed