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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

• Letter to complain about energy back-billing

  Use this template letter to complain if your energy supplier is trying to bill you for energy you shouldn't have to pay for - back-billing complaint

• Letter to complain about misdescribed goods bought from a private seller

  Use this template letter to complain about something you bought from a private seller

• Stop your energy supplier moving you to prepayment

  If you owe money to your energy supplier, they might want to install a prepayment meter. Here are the situations where you can stop them doing

• Discrimination because of race

  Taking action about race discrimination, explaining when it is unlawful or not unlawful and organisations which can help

• If your ESA is stopped or reduced

  What to do if your ESA is stopped or reduced. If the DWP stop or reduce your ESA, you might be able to challenge them or start a new claim

• 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

• Preparing to rent from a private landlord

  Find out how to decide whether to rent from a landlord or letting agent, how to search for a property and what questions you should ask before you rent a home