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• 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

• You are taken to court for rent arrears

  Information about the procedure a landlord must follow in order to take a tenant to court for rent arrears, special rules for social housing landlords, notice periods, what happens and a court hearing and the type of orders a judge can make

• If you’re having problems with your smart meter

  Check what to do if you think your smart meter isn't working properly or your energy supplier isn't getting your readings

• 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

• Critical illness insurance

  Information on critical illness insurance, what it covers, factors to consider before taking out critical illness insurance and how to buy an insurance policy

• Paying back an Income Support overpayment

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

• Check what an IVA is

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

• Disability discrimination and energy suppliers

  Check if your energy supplier has discriminated against you if you’re disabled and what reasonable adjustments they should make so you can use their services

• 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.

• Asking for adjustments to help with your disability

  Find out what disability changes your landlord has to make and how to ask for them