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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

• Claiming new style ESA

  Claiming new style ESA. You’ll need to show that your medical condition makes it difficult to work – get advice about applying and find out more

• Arranging financial support after you separate

  If you're married or in a civil partnership, you can apply for financial support (‘spousal maintenance’) from your ex when you separate. Find out more about what you can get or need to pay.

• Challenging a Universal Credit decision - mandatory reconsideration

  If you disagree with the decision about your Universal Credit claim, you can ask for ‘mandatory reconsideration’. Find out how to challenge the decision

• Your notice period during redundancy

  Find out what notice pay you get and how long your contractual or statutory notice period should be, including if you get garden leave or pay in lieu of notice.

• Check if an IVA is right for you

  Check these steps to help you decide if an individual voluntary arrangement (IVA) is the best way to deal with your debt problems

• 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

• Challenging what the CMS says you should get

  Find out how to ask the CMS for a review or a variation, for example if your circumstances have changed

• Check if a financial service has followed the rules

  Check what rules financial services need to follow, including banks, mortgage lenders and creditors, and how you can complain

• Payday loans

  How payday loans work, including continuous payment authority, stopping payments, extending the loan and alternatives to payday loans