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• Your right to freedom of religion and belief

  Explains how your right to hold and express a religious or non-religious belief is protected by article 9 of the Human Rights Act 1998 and when the article may be breached

• Contact us about a Universal Credit application

  Get help making a new claim for Universal Credit, from the making the application through to getting your first correct payment

• If you haven’t received an accurate energy bill in a while

  What to do if you haven't received an energy bill, how much of your next bill you'll have to pay, explains the 'back billing principle', what to do if you can't pay the bill

• Check if you can get 'new style' JSA

  Check if you can claim 'new style' Jobseeker's Allowance (JSA) - and how much you'll get - while you look for a full-time job

• How credit cards work

  Information about what credit cards are, how they work, credit limits, interest-free periods and statements

• Being laid off or put on short-time working

  Know your rights to pay, the importance of your contract, and when you can claim redundancy instead of lay off or short-time working

• When you don’t need vehicle insurance

  There are some situations where you don't need to have motor insurance. Read this page for information on circumstances where motor insurance isn't required

• Benefits and help with council tax when you separate

  You might be able to get help with your living costs when you separate from your partner. Find out if you have a right to benefits or can get more

• Request to write off a joint debt - letter

  Letter for when you can't make an offer of repayment on a joint debt and your circumstances are not going to improve

• Request to write off a debt - letter

  Letter for when you can't make an offer of repayment and your circumstances are not going to improve