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• 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

• Check if your housing problem is discrimination

  Find out if your landlord, letting agent or someone else involved in your housing is discriminating against you under the law

• Ask non-priority creditors to hold off - joint holding letter

  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

• Ask non-priority creditors to hold off - holding letter

  Letter to ask creditors to hold off for a short period while you make a plan to pay your debts or get advice

• How to claim PIP

  How to claim Personal Independence Payment (PIP) and the basic information you'll need to have to hand when you start your claim

• Getting evidence to support your PIP claim

  How to keep a diary and get supporting evidence from health professionals to help your Personal Independence Payment (PIP) claim

• Backdated water bills

  What is likely to happen if water companies pursue households for the payment of water bills if they have not been paid in the past for whatever reason and what you can do about

• Taking rest breaks at work

  Find out what rest breaks you should get at work and what to do if your employer won't let you take them