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• Working and child tax credits

  Check what to do if you have a problem with your working or child tax credits. Check how to challenge an overpayment decision.

• Credit agreements and creditors

  Consumer template letters for credit agreements and creditors. Use our template letters for help writing a letter for credit agreements or creditors.

• Credit brokers explained

  Explains what a credit broker is and when they are properly authorised to act.

• Credit Union loans

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

• Pension Credit appeals

  Overview and content list for pension credit appeals. Get help If the Pension Service says you've had a pension credit overpayment and challenging a decision.

• 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.

• 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

• Challenging what the CMS says you should get

  Find out how to ask the CMS for a review or a variation, for example if your circumstances have changed