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• Your circumstances have changed - debt relief orders

  Explains the types of change in your circumstances that you must report to the Official Receiver and what could happen if you do not report them

• Check if you can apply for homeless help

  Find out if you can apply for homeless help - including what the council will look at to decide if you qualify for help

• 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

• Credit sale

  Information about what credit sale is, how it works and interest-free deals

• Letter to cancel a credit agreement before it starts

  Use this letter to let a creditor know that you want to withdraw from a credit agreement before it is executed

• Letter to complain about non-delivery of goods

  Use this letter to 'make time of the essence' when an item you've ordered hasn't been delivered

• Letter to ask to be placed on list of unsecured creditors

  Use this letter if a trader has gone into administration or liquidation and you are owed money or want a refund

• Report a scam

  If you've been scammed, there are organisations you should report the scam to. Find out how to report a scam and what information to gather