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• Request to write off a joint debt - letter

  Letter for when you can't make an offer of repayment on a joint debt and your circumstances are not going to improve

• Making a claim on your travel insurance

  What you need to do if you have to make a claim on your travel insurance policy

• Problem with an app, software or download

  Your right to a refund or repair if there’s a fault with digital content like software, downloads and apps

• How the DWP makes a decision on PIP claims

  How Personal Independence Payment (PIP) claims are assessed by the Department for Work and Pensions, and information on the descriptors and scoring used

• What will happen on the day of the trial as a witness

  What happens on the day of the trial if you're giving evidence as a witness including information on what to do in the courtroom and claiming expenses

• Problems with your energy supplier or supply

  Get help with issues relating to your energy supply, such as information about power cuts, if your supplier has gone bust and claiming compensation

• 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

• Being laid off or put on short-time working

  Know your rights to pay, the importance of your contract, and when you can claim redundancy instead of lay off or short-time working