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• Being laid off or put on short-time working

  Know your rights to pay, the importance of your contract, and when you can claim redundancy instead of lay off or short-time working

• If your employer refuses your flexible working request

  What to do if your employer refuses your flexible working request. Find out if you can challenge your employer's decision and how to start this process

• If a company stops trading or goes out of business

  Claim money owed to you when a trader goes out of business, including checking whether they’ve gone out of business

• Creditors still chasing you after you go bankrupt

  After you go bankrupt, your creditors usually shouldn't contact you to ask you to pay your debt. There are some exceptions. Find out more

• Complaining about bailiffs

  Find out how to complain about bailiffs if you’ve been treated badly - and know what you can do if you’ve already complained

• Getting PIP after you’ve reached State Pension age

  Check if you can claim Personal Independence Payment (PIP) after State Pension age, and the rules if your condition gets worse

• Switching energy supplier or tariff if you’re renting

  Find out if you can switch supplier and whether you need to ask your landlord

• Consumer template letters

  View our consumer template letters. We have a range of letter templates available for consumer issues, from faulty goods to credit agreements.