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• 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

• 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

• Disability discrimination and debt problems

  Service providers must not discriminate against you if you're disabled. They must make reasonable adjustments to allow you to use their services. Find out more

• Getting a job reference

  What your employer can put in a reference, and what to do if they give you a bad reference or won’t give you a reference at all

• Challenging a PIP decision - the tribunal hearing

  What to expect at a Personal Independence Payment (PIP) tribunal hearing and how best to prepare

• 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

• Dealing with your business energy bills

  Get advice about what to do if your small business is in debt to your energy supplier or you're having problems affording your bills

• Appealing a Housing Benefit decision at a tribunal

  How to appeal if your local council won’t change a decision about your Housing Benefit