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• An insurer approaches you to settle a claim

  What to think about before taking up an offer to settle a claim directly from another insurer

• If you’re struggling to pay your phone, internet or TV bill

  Check what help providers can give you if you can’t afford to pay your bill - like offering a payment plan or switching you to a social tariff contract

• Check if you’re responsible for paying an energy bill

  Find out if you’re responsible for paying an energy bill. You usually have to pay for any gas or electricity you’ve used even if you haven’t signed a contract

• Asking for adjustments to help with your disability

  Find out what disability changes your landlord has to make and how to ask for them

• Student housing - your behaviour in halls

  Explains how students can be sanctioned if they misbehave or have rent arrears when living in university halls of residence. Sanctions can include withholding qualifications, preventing students progressing in their course and eviction

• Can your debt relief order be stopped?

  Explains the circumstances in which the Official Receiver can stop (revoke) your debt relief order and how to challenge their decision

• Debt management plans - what you need to know

  Introduction to debt management plans, explaining what they are, how they work and who can get one

• Appealing an ESA decision

  Find out how to appeal an ESA decision. Before you can appeal a decision made by the DWP, you might need to ask for a mandatory reconsideration