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• How Universal Credit is paid

  Find out how Universal Credit is paid. You'll usually get a single payment every month paid directly into your bank, building society or credit union account

• Getting a visitor visa for family and friends

  Getting a visa for a friend or family member to visit you in the UK for less than 6 months

• If you’re struggling to pay your heat network bills

  Find out what to do if you're having problems paying heat network bills or you owe money. Heat networks are sometimes called communal heating or district heating.

• Claim using a warranty or guarantee

  How to claim using a warranty or guarantee, when to use your legal rights instead reading the small print

• 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.

• Complaining about bailiffs

  Find out how to complain about bailiffs if you’ve been treated badly - and know what you can do if you’ve already complained

• Discharge from bankruptcy

  Explains when and how you are discharged from bankruptcy, and what happens to your debts and belongings of value afterwards

• Guidelines for using the letter templates

  Guide on using sample letters to creditors. We've created a set of letter templates which you can use to write to your non-priority creditors