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• Claim back credit from your energy supplier

  Why your bill might be in credit, when to consider claiming back credit, how to claim back credit.

• Deciding if you should apply for SMI

  What to think about before you apply for support for mortgage interest (SMI) if you get benefits

• How much pension you'll need

  Advice on planning for financial commitments in retirement and saving for a pension

• What you can do with your pension pot

  What options you have for accessing the money in you personal or workplace pension pot.

• Grants and benefits to help you pay your energy bills

  Grants, benefits and other support, including Warm Home Discount, Winter Fuel Payment and Cold Weather Payment or Winter Heating Payment

• No money to pay creditors - letter

  Letter for when you have no money available to offer to your non-priority creditors.

• 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

• Selling your property to help pay off your mortgage debts

  Check what to think about before selling your property and what to do if you won’t make enough money to pay back your debts.