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• How to apply for an IVA

  Find out how to apply for an individual voluntary arrangement (IVA). Before you start, make sure an IVA is the right debt solution for you

• Dealing with Council Tax arrears

  What happens when you miss a council tax payment, and how to negotiate with your council to pay what you owe in smaller amounts

• Discrimination because of sexual orientation

  Taking action about discrimination on the grounds of sexual orientation, explaining when it is unlawful or not unlawful and organisations which can help

• Check you’re in the right Universal Credit work-related activity group

  There are 4 work-related activity groups for Universal Credit. Check you’re in the right group, and what to do if you think you're in the wrong one

• Check how to make a formal complaint about discrimination

  Check what to say in your formal complaint to show that discrimination happened. You can also find out what to do if you’re not happy with the response you get

• What counts as disability discrimination

  Find out more about disability discrimination in employment, access to goods and services, education, public transport

• Get a hardship payment if you've been sanctioned

  If you've been sanctioned, you might be able to get some emergency money to help you cover household expenses. This is called a hardship payment

• If the council decide your landlord has to do repairs

  Check what your landlord has to do if the council have inspected your home and sent them a legal notice. If the council haven’t helped, find out how to complain

• Check what an IVA is

  Find out how an individual voluntary arrangement (IVA) works and the type of debts you can include

• The costs and charges of credit cards

  Information about interest and other charges, which may be incurred when using your credit card, including charges when buying things abroad, or for missed payments