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• Guidelines for using the letter templates

  Guide on using sample letters to creditors. We've created a set of letter templates which you can use to write to your non-priority creditors.

• Staying in your council home when someone dies

  Check if you can take over a council or housing association tenancy. Check what happens if you can’t take over the tenancy

• Check your rights if you're an occupier with basic protection

  Check your rights if your landlord tries to evict you or increase your rent. Check if your landlord has to do repairs and your options if you want to leave.

• How bailiffs should treat you if you're vulnerable

  Find out how bailiffs should treat you if you’re ‘vulnerable’ - including if you’re disabled, if you have a mental health problem or if you have young children

• If your mortgage lender takes you to court

  What to do if you get court papers, including how to fill in your defence form and what will happen at court.

• Save money using your electrical appliances

  Check the average costs of using your electrical appliances and devices. Find ways to save electricity and reduce your energy bills.

• Disability discrimination and energy suppliers

  Check if your energy supplier has discriminated against you if you’re disabled and what reasonable adjustments they should make so you can use their services.

• If something you ordered hasn't arrived

  Check what to do if a parcel hasn't arrived and how to spot scam messages about it. Check your rights to a refund or another delivery and how to contact the seller.

• 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

• Get a hardship payment if you've been sanctioned

  If you've been sanctioned, you might be able to get some emergency money to help you cover household expenses. This is called a hardship payment