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• 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

• Q4: eating and drinking

  Help to fill in Q4: eating and drinking for PIP. Find out what this means and get advice on how to complete the question.

• If your employer says you owe them money

  When you leave a job, your employer can only ask you to pay back money if it’s for something you’ve specifically agreed to in writing. Find out more

• If something you ordered hasn't arrived

  Check what to do if a parcel hasn't arrived and how to spot scam messages about it. Check your rights to a refund or another delivery and how to contact the seller

• Hire purchase and conditional sale

  Information about how hire purchase and conditional sale agreements work, the right to end a hire purchase agreement and what happens if the buyer is unable to pay

• If you're from Ukraine and your visa is ending

  Check if you can extend or switch your visa, and what to do if you can’t

• If you’re struggling to pay your credit card

  Find out what to do if you are struggling to pay your credit card debt and how you can start to clear the debt you have

• Appealing a Housing Benefit decision at a tribunal

  How to appeal if your local council won’t change a decision about your Housing Benefit

• Moving home – dealing with your energy supply

  What to tell your current supplier before you move, how to set up a new supply at your new property, where to get more help

• If you think your ESA decision is wrong - mandatory reconsideration

  How to challenge a decision about your ESA, what is mandatory reconsideration, what to put in your letter, what to do if you miss the deadline, how to appeal