Search

• Taking action over credit brokers

  Explains how to get your money back from a credit broker, if they have taken payment from you without your permission.

• Before you claim Pension Credit

  Overview and content list for before you claim pension credit. Get information and check if you can get pension credit and how to claim.

• Switching from prepayment to paying by credit

  Replace your prepayment meter or switch your smart meter over so you pay for energy after you use it instead of paying in advance

• Paying off a credit agreement early

  Find out if your credit agreement is covered by the Consumer Credit Act 1974 and how to pay it off early.

• Credit rating - impact of debt management plan

  Explains how having a debt management plan may affect your credit rating.

• Credit rating - impact of debt relief order

  Explains that a debt relief order must be noted in your credit reference file and how it affects your credit rating, making it hard to get credit in future.

• If you’re struggling to pay your credit card

  Find out what to do if you are struggling to pay your credit card debt and how you can start to clear the debt you have.

• Fill in the work capability form: how your conditions affect you

  Find out what to do before you fill in the UC50 form, so you can give the information you need when you begin to fill in the form

• 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.

• If HMRC says you’ve had a tax credits overpayment

  How to check if HMRC are right about the tax credits overpayment and what to do next.