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• If you can't pay your water bill

  What can happen when you owe your water company money and what you can do about it. Check what actions you can take

• Calculate your monthly mortgage payments

  Use the mortgage tool from MoneyHelper to work out what your monthly mortgage payments could be. Check how much you could afford to borrow.

• Reporting to Trading Standards

  Report a trader who has broken the law by contacting the Citizens Advice consumer service or Advice Direct Scotland

• No money to pay creditors - joint letter

  Joint letter template for when you have no money available to offer to your non-priority creditors. This template is to be used for guidance

• If there are pests or vermin in your rented home

  Check if your landlord is responsible for dealing with infestations. Check if the council can help with mice and rat problems

• No money to pay creditors - letter

  Letter for when you have no money available to offer to your non-priority creditors

• Selling a home

  Get information on the process of selling your home. Check how to deal with estate agents, using solicitors, exchanging contracts and completion

• If you’re having problems with your smart meter

  Check what to do if you think your smart meter isn't working properly or your energy supplier isn't getting your readings

• Help dealing with mortgage debts

  Different options which might be available to help clear your mortgage debt and pay back the money you owe to your lender

• Workplace pensions

  Types of pensions provided by employers including occupational, personal and stakeholder pensions and what happens when you change jobs