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• Complain about a premium rate phone charge or text message

  What to do if you want to make a complaint because a company didn’t make it clear that a phone or text number was premium rate

• Can you get bankruptcy cancelled?

  Find out when you can apply to have a bankruptcy cancelled (annulled) and how to do

• Cancelling a service you’ve arranged

  When you can cancel a service, how to get your money back, how to negotiate with the business

• Moving to another council home or housing association home

  If your council home doesn’t meet your needs, you might be able to move to a different one. Find out more about mutual exchange and tenancy transfer

• Find an installer for energy efficiency home improvements

  Check how to find an experienced installer for energy-saving home improvements for things like solar panels and insulation

• 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

• Credit rating - impact of debt relief order

  Explains that a debt relief order must be noted in your credit reference file and how it affects your credit rating, making it hard to get credit in future

• You might have to go to court as a witness

  What to do if you've been told you might have to go to court as a victim or witness including information on who'll contact you about the trial

• Your payment card was used without your permission – distance sales

  What you can do if your payment card has been used for a distance sale purchase by internet, mail order, TV, phone or fax without your permission

• No money to pay creditors - joint letter

  Joint letter template for when you have no money available to offer to your non-priority creditors. This template is to be used for guidance