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• Buying a home

  Get information on the process of buying a house. Check how to get a mortgage, how to make an offer and what to consider if you’re buying with others

• Getting a second adult rebate on your council tax

  Check if you can pay less council tax if you live with adults who get benefits or a low income. This is called getting a second adult rebate.

• If a problem with National Insurance is affecting your benefits

  What to do if you can’t find your National Insurance number or if you think your National Insurance record is wrong and it’s affecting the benefits you can claim.

• If something is advertised at the wrong price

  Your rights and options if something is wrongly priced on a label, advertisement or listing.

• 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.

• No money to pay creditors

  No money to pay creditors No money to pay non-priority creditors - letter No money to pay non-priority creditors - joint letter

• Ask non-priority creditors to hold off - joint holding letter

  You can use this letter to ask creditors to hold off for a short period while you work out your budget or get advice. This template is to be used for guidance.

• Ask non-priority creditors to hold off - holding letter

  Letter to ask creditors to hold off for a short period while you make a plan to pay your debts or get advice.