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• If your energy supplier has increased your direct debit payments

  Why your payments may go up, checking your payments are correct, agreeing new monthly payments

• Extending your family visa

  You can usually apply to extend a family visa before it ends. Check if you can extend your family visa when it comes to an end

• 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

• If you have a radio teleswitch or dynamically teleswitched energy meter

  Check if you have a radio teleswitch or dynamically teleswitched electricity meter and what to do when the radio frequency is turned off and the service is shut down

• Paying a court fine

  What happens if you don’t pay a court fine in time, including how to ask for more time to pay, and what to do if you can’t afford to pay

• Creditor has sent a statutory demand - bankruptcy

  Explains the need to act quickly, if you receive a statutory demand from someone who is trying to make you bankrupt

• Check how bankruptcy affects your belongings

  Find out what you can keep when you’re bankrupt. You can usually keep the things you need to live - for example your clothes, furniture and cooking equipment

• Credit rating - impact of debt relief order

  Explains that a debt relief order must be noted in your credit reference file and how it affects your credit rating, making it hard to get credit in future