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• Check if an IVA is right for you

  Check these steps to help you decide if an individual voluntary arrangement (IVA) is the best way to deal with your debt problems

• 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

• Payday loans - making a complaint

  How to complain to a payday loan lender, the Financial Ombudsman Service or a trade association about a payday lender that has not followed the Good Practice Customer Charter and the Financial Conduct Authority (FCA) rules

• If a company stops trading or goes out of business

  Claim money owed to you when a trader goes out of business, including checking whether they’ve gone out of business

• Taking action about discrimination at work

  Tell your employer about discrimination at work, make a formal complaint or go to an employment tribunal

• Check your personal alarm will work after the landline switch off

  Check how the switch to digital landlines might affect your telecare and other alarms. Check what to do to avoid problems when you switch

• Complaining to an ombudsman

  How to use an ombudsman to investigate a complaint about maladministration in public and private sector organisations

• WaterSure scheme – help with paying water bills

  Watersure is a scheme to help save money with your water bill, if you get certain benefits and you have three or more children under 19 or someone in your house has a medical condition that means more water gets used