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• Reapply for Universal Credit

  Reapply for Universal Credit if you need to claim it again. If you've claimed before, you might not have to go through the full application again.

• Claim back credit

  Information about claiming back credit from your energy supply. Check if your previous energy supplier owes you money and claiming back credit.

• Tax credit overpayments

  Tax credit overpayments If HMRC says you’ve had a tax credits overpayment Paying back a working or child tax credits overpayment Disputing paying back a working or child tax credits overpayment

• Credit agreements and creditors

  Consumer template letters for credit agreements and creditors. Use our template letters for help writing a letter for credit agreements or creditors.

• Credit Union loans

  Information about credit unions, how credit union loans work and how to find a local provider.

• What is Universal Credit?

  What is Universal Credit and how it works - including how it's different from other benefits and what other benefits you can claim at the same time.

• Credit brokers explained

  Explains what a credit broker is and when they are properly authorised to act.

• Payment of benefits and tax credits

  Check how benefits and tax credits are paid - usually by direct credit transfer into bank, building society or Post Office card accounts. Find out about the Payment Exception Service if you can't use an account.

• Withholding rent because repairs haven't been done

  The procedure that social housing tenants must follow if you decide to use your rent to pay for repairs and the risks of withholding rent when the landlord has not carried out repairs

• How to apply for Universal Credit

  Find out how to apply for Universal Credit online. Find out more about the questions you need to answer, your ‘to-do list’ and the next steps.