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• Before you claim Pension Credit

  Overview and content list for before you claim pension credit. Get information and check if you can get pension credit and how to claim.

• Switching from prepayment to paying by credit

  Replace your prepayment meter or switch your smart meter over so you pay for energy after you use it instead of paying in advance

• Get help paying for energy efficiency home improvements

  Check if you’re eligible for funding or grants to make your home more energy efficient. Get help with the cost of insulation, boilers or improving your heating

• 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.

• Credit rating - impact of debt management plan

  Explains how having a debt management plan may affect your credit rating.

• If you’re struggling to pay your credit card

  Find out what to do if you are struggling to pay your credit card debt and how you can start to clear the debt you have.

• How lenders decide whether to give you credit

  Information on credit scoring, credit rating, credit reference agencies and how they decide whether or not to give you credit.

• If HMRC says you’ve had a tax credits overpayment

  How to check if HMRC are right about the tax credits overpayment and what to do next.