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• Check you’re in the right Universal Credit work-related activity group

  There are 4 work-related activity groups for Universal Credit. Check you’re in the right group, and what to do if you think you're in the wrong one

• The costs and charges of credit cards

  Information about interest and other charges, which may be incurred when using your credit card, including charges when buying things abroad, or for missed payments

• If you were misled or pressured into buying something you didn’t want

  You have the legal right to a refund if you feel you were unfairly pressured or misled into buying a product or service

• 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

• Check what an IVA is

  Find out how an individual voluntary arrangement (IVA) works and the type of debts you can include

• Finding free or affordable legal help

  Find out how to get legal help if you're on a low income, including advice from a law centre or legal aid solicitor, and trial or tribunal representation by a pro bono barrister

• Check how bankruptcy affects your money and bills

  Find out what happens to your bank account when you’re bankrupt, how your bills might change and if you can keep money like your savings or pension

• If you’re struggling to pay your heat network bills

  Find out what to do if you're having problems paying heat network bills or you owe money. Heat networks are sometimes called communal heating or district heating