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• Credit rating - impact of an administration order

  Explains how having an individual voluntary arrangement could affect your ability to apply for credit

• 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

• When you don’t need vehicle insurance

  There are some situations where you don't need to have motor insurance. Read this page for information on circumstances where motor insurance isn't required

• If your mortgage lender takes you to court

  What to do if you get court papers, including how to fill in your defence form and what will happen at court

• Help with legal fees when you separate

  Legal help or going to court when you split from your partner can be expensive. Find out about legal aid and other ways to save money on legal costs.

• Challenging a PIP decision - the tribunal hearing

  What to expect at a Personal Independence Payment (PIP) tribunal hearing and how best to prepare

• Check what bailiffs can take

  Check what bailiffs can take and stop them taking things they shouldn’t

• Check if your landlord has to protect your deposit

  Check if your landlord needs to put your tenancy deposit into a deposit protection scheme. Check what you can do if they don’t

• Check if your immigration status lets you get free healthcare

  Find out about charges for NHS treatment if you're from outside the UK, check if you can get free NHS treatment and which treatment is always free

• Disability discrimination and debt problems

  Service providers must not discriminate against you if you're disabled. They must make reasonable adjustments to allow you to use their services. Find out more