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• Letter to switch energy supplier if you have a prepayment meter

  Use this template letter to complain if your energy supplier won't let you switch because you have a prepayment meter

• Offsetting rent arrears because repairs haven't been done

  How rent arrears for social housing tenants can be offset against the damages for not making repairs if your landlord is taking possession proceedings against you because of rent arrears

• Struggling to pay your debt management plan

  Tells you what to do if circumstances mean you are struggling to pay the debt management plan, emphasising the need to contact the provider and not ignore the problem

• Check your rights as a lodger

  Find out what rights you have if you're a lodger. You can also check what support you can get if you need help with housing

• What happens when a debt relief order is made?

  Explains what happens once a debt relief order has been made and your responsibility to report a change of circumstances, or information you forgot to include in the original application

• If your energy supplier has increased your direct debit payments

  Why your payments may go up, checking your payments are correct, agreeing new monthly payments

• Struggling to pay - administration orders

  Action you can take if a change in circumstances makes it difficult to repay your administration order. Covers what creditors might do if you miss payments, review hearings and revoking the order

• Check if going bankrupt is right for you

  Find out what to think about before you declare bankruptcy. Read our advice to decide if going bankrupt is the right option for you

• 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

• Avoiding creditors making you bankrupt

  Lists actions you can take to avoid being made bankrupt by someone you owe money to.