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• Cancel something you bought on hire purchase

  Returning something you bought on hire purchase or conditional sale. How to cancel the agreement and what you’ll owe

• 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

• Dealing with the official receiver after bankruptcy

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

• Claiming compensation if you were moved to prepayment without permission

  Check if you're owed compensation if your energy supplier moved you to prepayment without your permission between 1 January 2022 and 31 January 2023

• 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

• If your Housing Benefit is stopped or reduced

  Find out why your Housing Benefit payments have changed 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

• 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