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• Creditor takes money from your bank account

  Information on third party debt orders to take money owed to you to pay creditors, how they affect your bank account and what to do if a frozen bank account leads to hardship

• Getting money after your sick pay runs out

  What to do when your sick pay is coming to an end and you're too unwell to return to work. You may be eligible for benefits or be able to use your holiday pay

• Check what you have to do in the ESA work-related activity group

  Find out what you need to do if you’re in the work-related activity group

• 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

• Your payment card was used without your permission – distance sales

  What you can do if your payment card has been used for a distance sale purchase by internet, mail order, TV, phone or fax without your permission

• Starting a homeless application

  Find how to apply to the council for help if you’re homeless

• Writing off some of your debt if you apply for an administration order

  Tells you how to ask for a composition order, as part of an administration order, to get part of your debt written off

• Extra money and help PIP entitles you to

  Find out what extra help you can get for Council Tax, Road Tax bills or travel support such as a Blue Badge when you claim Personal Independence Allowance (PIP

• Dealing with your energy supply when you move business premises

  Steps to take when moving in or out of business premises. Proof of change of tenancy documents required

• An insurer approaches you to settle a claim

  What to think about before taking up an offer to settle a claim directly from another insurer