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• Credit sale

  Information about what credit sale is, how it works and interest-free deals.

• Credit brokers

  Overview and content list for credit brokers. Read our advice about credit brokers, including taking action over a credit broker.

• 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.

• Pension Credit

  Find out if you can get Pension Credit and how much you could get. If your Pension Credit has stopped or you have an overpayment, find out how to challenge the decision.

• If you're being taken to court for debt

  Find out what to do if you’ve received a letter about a debt. If you owe money and you don't pay it back your creditor might take you to court

• If a problem with National Insurance is affecting your benefits

  What to do if you can’t find your National Insurance number or if you think your National Insurance record is wrong and it’s affecting the benefits you can claim.

• Tax credit overpayments

  Tax credit overpayments If HMRC says you’ve had a tax credits overpayment Paying back a working or child tax credits overpayment Disputing paying back a working or child tax credits overpayment

• Credit Union loans

  Information about credit unions, how credit union loans work and how to find a local provider.

• Reapply for Universal Credit

  Reapply for Universal Credit if you need to claim it again. If you've claimed before, you might not have to go through the full application again.

• Claim back credit

  Information about claiming back credit from your energy supply. Check if your previous energy supplier owes you money and claiming back credit.