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• No money to pay creditors - letter

  Letter for when you have no money available to offer to your non-priority creditors

• Request to write off a debt - letter

  Letter for when you can't make an offer of repayment and your circumstances are not going to improve

• Credit brokers explained

  Explains what a credit broker is and when they are properly authorised to act

• Dispute a mobile, phone, internet or TV bill

  Challenge a bill if you’ve been charged too much for your phone, internet or TV. Your provider might have got your bill wrong or your bill could be high because of fraud

• Problem with a car repair

  Your rights and options if you're not happy with a car repair, what to say to the garage, how to take further action

• Vehicle insurance if the accident wasn't your fault

  What to do if the accident wasn’t your fault and what you need to think about before your vehicle is repaired

• Challenging a Universal Credit decision - mandatory reconsideration

  If you disagree with the decision about your Universal Credit claim, you can ask for ‘mandatory reconsideration’. Find out how to challenge the decision.

• Appealing a tax credits decision at a tribunal

  What to expect at a tax credits tribunal hearing and how best to prepare