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• 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

• Asking your employer for changes to help you if you’re disabled

  Find out when your employer has a duty to make changes to help you with your disability

• Cancelling a loan or credit agreement

  Find out if your credit agreement is covered by the Consumer Credit Act 1974 and your rights if you want to cancel

• Reporting self-employed earnings if you get Universal Credit

  Work out your monthly earnings if you’re self employed. Find out how to report your earnings if you get Universal Credit and how to get help with doing

• Resigning from your job

  Check your options before you decide to resign. Check the best way to resign

• Discrimination because of race

  Taking action about race discrimination, explaining when it is unlawful or not unlawful and organisations which can help

• If you haven’t received an accurate energy bill in a while

  What to do if you haven't received an energy bill, how much of your next bill you'll have to pay, explains the 'back billing principle', what to do if you can't pay the bill

• If your circumstances change during your IVA

  Find out what to do if your circumstances change during your IVA, like your income goes up