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• Get emotional support if you’ve been scammed

  Find out where you can get emotional or financial support if you've been scammed

• Letter to ask for a refund or alternative when a package holiday is changed

  Use this letter to ask for a refund or alternative if a package holiday you're going on has been changed

• Get help with discrimination at work

  Where to get help if you're being discriminated against by your employer, a company you used to work for or one you applied for a job

• 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

• Paying for sewerage

  What you are paying for when you pay public sewerage charges including water drainage, surface water drainage, highway drainage and land drainage

• Your debt management plan provider has closed

  What you should do next if your debt management company closes down. Debt management providers sometimes go bust or have their licence taken away

• Choosing voluntary redundancy

  Work out if voluntary redundancy is right for you, and know when it affects benefits, mortgage protection or early retirement

• Check what benefits to claim if you’re sick or disabled

  Find out what benefits you should claim if you're sick or disabled. There are a few options and you should apply for the one that suits your circumstances best