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• Offer to non-priority creditor - letter

  Letter for when you have some money available to offer your non-priority creditors

• 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

• Check if a room counts as an extra bedroom for Housing Benefit

  Find out how the council decide if you have a spare room in your council home, and when they can reduce your Housing Benefit - sometimes called the ‘bedroom tax’.

• Problems getting to or topping up your prepayment meter

  What you can do if you can't get to your prepayment meter, can't top it up, or can't use it

• 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

• Check who's taken over your energy supply

  If your energy supplier has gone bust, check which company has taken over your energy supply

• Getting help from a motor trade association

  How to find out if a dealer is a member of a trade association and whether they can help you sort out a problem with a dealer.

• Letter to ask for a refund or alternative when a package holiday is changed

  Use this letter to ask for a refund or alternative if a package holiday you're going on has been changed