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• If HMRC says you’ve had a tax credits overpayment

  How to check if HMRC are right about the tax credits overpayment and what to do next

• Debt and money

  Get advice on dealing with debt, bailiffs, bankruptcy, pensions, tax and more

• Creditor takes money from your bank account

  Information on third party debt orders to take money owed to you to pay creditors, how they affect your bank account and what to do if a frozen bank account leads to hardship

• Going to court without a solicitor or barrister

  If you’re going to a tribunal or court without a lawyer, find out where to get help to represent yourself and what a McKenzie Friend, the Support Through Court or an interpreter can do

• How a creditor can get information about your finances

  Information on what an order to obtain information is and what happens if a creditor obtains one to force you to reveal your financial situation

• 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

• Dealing with income tax arrears

  What happens if you miss the income tax deadline, including what the penalties are for not paying tax on time, and how to negotiate a time to pay agreement with HMRC

• Help with school costs

  Find out what help you can get to pay for school lunches, uniforms and transport if you’re on a low income

• Car finance claims: what to do if you bought a car on finance

  If you bought a car, van or motorbike on finance, check if you can get compensation from your lender

• Guidelines for using the letter templates

  Guide on using sample letters to creditors. We've created a set of letter templates which you can use to write to your non-priority creditors