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• How lenders decide whether to give you credit

  Information on credit scoring, credit rating, credit reference agencies and how they decide whether or not to give you credit

• If a company stops trading or goes out of business

  Claim money owed to you when a trader goes out of business, including checking whether they’ve gone out of business

• Getting a permanent right to live in the UK if you have a family visa

  Check if you can apply for indefinite leave if you already have a family visa

• Credit rating - impact of debt relief order

  Explains that a debt relief order must be noted in your credit reference file and how it affects your credit rating, making it hard to get credit in future

• Discrimination because of sexual orientation

  Taking action about discrimination on the grounds of sexual orientation, explaining when it is unlawful or not unlawful and organisations which can help

• Benefits and concessions for the armed forces, veterans and their families

  Information on financial help available to people currently serving in the armed forces, veterans and dependents, covering benefits, help with school, child care and travel costs and sources of further help

• Disputing paying back a working or child tax credits overpayment

  What to do if your tax credits are overpaid and you disagree about paying the money back.

• Collecting information about your debts

  Collect information about your debts and check how to contact your creditor

• Creditor objects to an administration order

  Explains what happens if one of your creditors objects to the administration order and what to do if creditors are still chasing you, while the order is being set up

• Work out which debts to deal with first

  Check which of your debts are ‘priority debts’ that you should deal with first