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• Debt relief restrictions orders

  Explains why you might have a debt relief restrictions order (DRRO) made against you if you did something against the rules when you applied for your DRO, or while the DRO is in force

• If you're struggling with your overdraft

  Things you can do if you're struggling with your overdraft. Get advice on what to do if you're struggling to pay off your overdraft

• Applying for a JSA hardship payment

  Find out who can get a JSA hardship payment and how much you’ll get. Find out how to apply for a JSA hardship payment

• 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

• Using storage heaters and immersion heaters

  Check how to use electric storage heaters and immersion heaters. Make sure you’re using your heaters correctly

• Deciding if a heat pump is right for you

  Find out if a heat pump is right for you and your home. Compare air source heat pumps and ground source heat pumps. Know how to get financial help like the BUS

• If there’s a problem with your heat network

  Check who to contact and how to complain to your heat network supplier. Check when to complain to the Energy Ombudsman, and where to get more help

• Payment of benefits and tax credits

  Check how benefits and tax credits are paid - usually by direct credit transfer into bank, building society or Post Office card accounts. Find out about the Payment Exception Service if you can't use an account