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• Holding letter - ask creditors to hold off

  Letter to ask creditors to hold off for a short period while you work out your budget or get advice.

• Holding letter for joint account - ask creditors to hold off

  You can use this letter to ask creditors to hold off for a short period while you work out your budget or get advice. This template is to be used for guidance.

• Your payment card was used without your permission – distance sales

  What you can do if your payment card has been used for a distance sale purchase by internet, mail order, TV, phone or fax without your permission

• Illegal ticketing websites

  Checking that a ticketing website is genuine and what to do if you think you have bought a ticket from an illegal website

• Complaining about a vet

  What to do if you have a complaint against your vet for negligence or misconduct

• Benefit overpayments

  Causes of benefit overpayments and what to do if you've been told you've been paid too much

• Moving to Universal Credit if you've got a migration notice

  You’ll have to move to Universal Credit when you get a letter from the DWP - this is a 'migration notice'. Your existing benefit will stop. Claim Universal Credit to keep getting financial support.

• If your clothes have been lost or damaged by a dry cleaner

  Your legal rights if your clothes are lost or damaged, how to make a complaint, how to take your complaint further if you're unhappy with their response.

• If you need to find somewhere to live

  Help with finding accommodation including local authority services for homeless people, accommodation agencies and deposits and premiums

• 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