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• Dealing with your business energy bills

  Get advice about what to do if your small business is in debt to your energy supplier or you're having problems affording your bills.

• Applying for a JSA hardship payment

  Find out who can get a JSA hardship payment and how much you’ll get. Find out how to apply for a JSA hardship payment

• If the Pension Service says you've had a Pension Credit overpayment

  How to check if you’ve actually been overpaid by the Pension Service and how to challenge a Pension Credit overpayment

• 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

• 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

• 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 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

• 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