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• Holding letter for joint account - ask creditors to hold off

  You can use this letter to ask creditors to hold off for a short period while you work out your budget or get advice. This template is to be used for guidance

• How an administration order is set up

  Sets out the steps a court goes through in setting up an administration order

• Your right to personal liberty

  Explains how the right to personal liberty is protected by article 5 of the Human Rights Act 1998 meaning you cannot be detained for reasons other than criminal activity or mental health issues

• You've given a witness statement to the police

  What happens when you give a witness statement to police including information on withdrawing or changing your statement

• You've been told your flat is fire safe but disagree

  Find out what to do if your landlord won't take steps to address fire safety in your flat

• How to get a debt management plan

  Things to think about before you set up a debt management plan. Read about the steps you should follow to get a debt management plan

• Getting a refund for a cancelled or delayed train

  How to get a refund or compensation for a cancelled or delayed train. You need to keep your tickets to get a refund and should try to claim within 28 days

• Changing to a water meter

  Your right to have a water meter installed and the pros and cons of switching to a meter and be charged for actual water usage compared to being charged based on the rateable value of the property