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• No money to pay non-priority creditors - joint letter

  Joint letter template for when you have no money available to offer to your non-priority creditors. This template is to be used for guidance

• Hire purchase and conditional sale

  Information about how hire purchase and conditional sale agreements work, the right to end a hire purchase agreement and what happens if the buyer is unable to pay

• Getting a Universal Credit budgeting advance

  Find out how to get a Universal Credit budgeting advance, a loan for emergency and one-off expenses. Who’s eligible, how much you'll get and how to apply

• After you've been dismissed

  Help with moving on and finding a new job after being dismissed, including benefits, getting a reference, and explaining your dismissal to a new employer

• If your post or parcel has been lost, damaged or delayed

  Check if you can get compensation and how to make a complaint. Find out what to do if an important document was lost in the post or if your parcel was stolen.

• Paying towards your debts after you go bankrupt

  While you’re bankrupt, you might be asked to make payments towards your debts if you have money left over after you’ve paid for the things you need. Find out more

• Check if you’ve experienced a hate crime or hate incident

  Check what a hate crime or hate incident is, and how to know if what you’ve experienced counts as a hate crime or hate incident

• Water shortages - restrictions to your supply

  When your water company can impose temporary hosepipe bans and drought orders during water shortages, for how long, and what your rights are when this happens.