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• Phone, internet or TV

  Overview and content list for consumer help with phone, internet or TV. Get help and advice about consumer issues relating to phone, Internet or TV issues.

• How lenders decide whether to give you credit

  Information on credit scoring, credit rating, credit reference agencies and how they decide whether or not to give you credit

• Your insurer refuses your claim when you don’t give relevant information

  What your responsibilities were to give information to your insurer before 6 April 2013, to help with any disputes with insurance taken out, renewed or changed before 6 April 2013

• Cancelling a service you’ve arranged

  When you can cancel a service, how to get your money back, how to negotiate with the business

• What your landlord can charge you for energy

  How much your landlord can charge you for energy, how to check they're charging the right amount, what to do if they charge you too much

• Dispute a mobile, phone, internet or TV bill

  Challenge a bill if you’ve been charged too much for your phone, internet or TV. Your provider might have got your bill wrong or your bill could be high because of fraud

• Who is responsible for repairing drains and sewers

  The difference between drains, lateral drains and sewers and who is responsible for repairing them, and asking a water company to adopt a private or unadopted sewer

• Check your personal alarm will work after the landline switch off

  Check how the switch to digital landlines might affect your telecare and other alarms. Check what to do to avoid problems when you switch