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• 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

• If your employer says you owe them money

  When you leave a job, your employer can only ask you to pay back money if it’s for something you’ve specifically agreed to in writing. Find out more

• Dealing with disciplinary action at work

  Find out what to do if your employer takes disciplinary action against you

• Starting a homeless application

  Find how to apply to the council for help if you’re homeless

• Making a plan to pay your debts

  Work out what you can afford and make a plan for paying debts like credit cards, store cards and payday loans

• Cancelling your debt management plan

  Reasons why you might want to cancel your debt management plan and things to consider before doing so, including how you will deal with your debts instead and whether you will get a refund of fees

• An insurer approaches you to settle a claim

  What to think about before taking up an offer to settle a claim directly from another insurer

• If there's a leak from a neighbouring flat

  When a landlord is responsible for repairing water damage caused by leaks or floods from a neighbouring property, repeated leaks, and what you can do about damaged belongings

• Taking your paid holiday

  Find out what notice you have to give, when you can take holiday, what notice your employer has to give you if they refuse, whether you can carry over holiday from one year to the next

• Complain about an insolvency practitioner

  Find out the steps to complain about the insolvency practitioner dealing with your individual voluntary arrangement (IVA