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• Holding letter - ask creditors to hold off

  Letter to ask creditors to hold off for a short period while you work out your budget or get advice

• Check if you’re responsible for paying an energy bill

  Find out if you’re responsible for paying an energy bill. You usually have to pay for any gas or electricity you’ve used even if you haven’t signed a contract

• If you were misled or pressured into buying something you didn’t want

  You have the legal right to a refund if you feel you were unfairly pressured or misled into buying a product or service

• If there's a leak from a neighbouring flat

  When a landlord is responsible for repairing water damage caused by leaks or floods from a neighbouring property, repeated leaks, and what you can do about damaged belongings

• Taking the first step if you need financial support

  If you need financial support, start by checking if you can get any benefits. You could get this financial help, even if you’re working or have savings

• Get help if you’re struggling to pay your bills

  Check what help you can get if you’re struggling with money and you can’t afford to pay bills like energy, rent, internet or council tax

• If you need a guarantor to start renting

  Check what it means to have a guarantor for your rent. Check what their responsibilities are and when the guarantee agreement ends

• Gathering evidence about housing discrimination

  Get the facts and evidence to help you take action about discrimination in housing