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• How lenders decide whether to give you credit

  Information on credit scoring, credit rating, credit reference agencies and how they decide whether or not to give you credit

• Calculate your monthly mortgage payments

  Use the mortgage tool from MoneyHelper to work out what your monthly mortgage payments could be. Check how much you could afford to borrow.

• No money to pay creditors - letter

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

• If there are pests or vermin in your rented home

  Check if your landlord is responsible for dealing with infestations. Check if the council can help with mice and rat problems

• 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

• Getting a smart meter installed

  What smart meters are, when you can get one installed, whether you can refuse a smart meter, smart meter specifications and how to save money with a smart meter

• Check if a change affects your SMI

  Find out if a change you report about your benefits also affects your support for mortgage interest (SMI

• Paying back an Income Support overpayment

  Find out the different ways you can pay back an Income Support overpayment, including in instalments

• How to apply for an IVA

  Find out how to apply for an individual voluntary arrangement (IVA). Before you start, make sure an IVA is the right debt solution for you

• Check what an IVA is

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