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• Apply for SMI

  How to apply for support for mortgage interest (SMI) if you get benefits

• Claiming Universal Credit

  Get help and advice on claiming universal credit. We offer help with applying, reapplying, going for your interview and how to get an advanced payment

• Reducing your regular outgoings

  Find out how to save on household, energy and water bills, your TV licence and travel costs

• Holding letter - ask creditors to hold off

  Letter to ask creditors to hold off for a short period while you work out your budget or get advice

• Holding letter for joint account - ask creditors to hold off

  You can use this letter to ask creditors to hold off for a short period while you work out your budget or get advice. This template is to be used for guidance

• Mortgage problems

  Check what help is available if you’re struggling with your mortgage payments, and what to do if your mortgage lender wants to evict you

• Young people's rights

  Rights of children and young people including information on proof of age, discrimination, personal records, punishment and religion

• Problems with your energy bill

  Information about problems with your energy bills. Check if you're responsible for paying, if you haven't had an accurate bill and if the price increased