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• Backdated water bills

  What is likely to happen if water companies pursue households for the payment of water bills if they have not been paid in the past for whatever reason and what you can do about

• Getting the best credit deal

  Advice on getting a good best deal when borrowing money, including comparing credit products, costs involved, terms and conditions and checking whether you can afford the repayments

• Switching from prepayment to paying by credit

  Replace your prepayment meter or switch your smart meter over so you pay for energy after you use it instead of paying in advance.

• Letter to 'make time of the essence': services

  Use this letter to give a trader a final deadline when they're taking too long to start or finish a job

• Letter to complain about faulty goods bought on hire purchase

  Letter to the credit provider about a problem with goods bought on hire purchase

• Letter to complain about faulty goods bought from a company

  Letter to complain about faulty goods and ask for a repair, replacement or refund

• Applying for family visas or indefinite leave

  Check how your family member can apply to live in the UK, extend their visa or get indefinite leave to remain

• Attending your employment tribunal hearing

  Find out what happens on the day of the hearing, how you'll give evidence, how you'll get the tribunal's decision