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• Check if you can increase your income

  Check you’re getting all the money you’re entitled to - including benefits, grants from charities and payments from government schemes

• Get help if you use oil, LPG, coal or wood to heat your home

  If you use oil, wood, liquefied petroleum gas (LPG), biomass or coal to heat your home, you might be able to get help to pay your bills.

• Tell your supplier if you need extra support

  Sign up for priority services to get extra support reading your bills or meter, and priority help from your energy supplier in a power cut.

• Taking your PPI complaint further

  What to do if you can’t complain to your PPI company or you’re not happy with their decision

• Letter to ask for a refund or alternative when a package holiday is changed

  Use this letter to ask for a refund or alternative if a package holiday you're going on has been changed

• Letter to claim damages for misrepresented goods or services

  Use this letter to get a refund or claim damages for goods or services which were misrepresented to you at the time of sale

• Letter to get a loan fee refunded when the loan hasn't been received

  Use this letter to get a refund of a fee for a loan when the loan has not been given within 6 months

• 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