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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.

• Claiming Universal Credit

  Get help and advice on claiming universal credit. We offer help with applying, reapplying, going for your interview and how to get an advanced payment.

• 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

• 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.

• Credit Union loans

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

• 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.

• 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.

• 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

• 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.

• Cancelling a loan or credit agreement

  Find out if your credit agreement is covered by the Consumer Credit Act 1974 and your rights if you want to cancel it.