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• Check if a change affects your Pension Credit

  Find out what changes of circumstances you have to report to make sure you get the right amount of Pension Credit

• Your energy supplier has put its prices up

  When your supplier is allowed to raise their prices, notice they should give you, what to do to avoid price rises

• 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

• How credit cards work

  Information about what credit cards are, how they work, credit limits, interest-free periods and statements

• If you can't pay your water bill

  What can happen when you owe your water company money and what you can do about it. Check what actions you can take

• If you haven’t received an accurate energy bill in a while

  What to do if you haven't received an energy bill, how much of your next bill you'll have to pay, explains the 'back billing principle', what to do if you can't pay the bill

• 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

• Writing off some of your debt if you apply for an administration order

  Tells you how to ask for a composition order, as part of an administration order, to get part of your debt written off