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• If your Universal Credit is stopped or reduced

  . They can help you budget or ask the DWP to either take repayments at a lower rate or stop taking repayments at all. If your Universal Credit is reduced to pay off your debts You'll only get a deduction

• Challenging what the CMS says you should pay

  or your former partner who lived with you before you separated The loans must be from a registered lender. They can’t be: business or gambling debts credit card repayments fines  the legal costs

• Dealing with the affairs of someone who has died

  of the estate. This includes: money on a credit card fuel bills rent or mortgage payments. If the person who died had council tax arrears, the local council can write off this debt, but there's

• Disability discrimination and energy suppliers

  the ‘standard licence conditions’.  Energy suppliers can be fined if they don’t follow the standard licence conditions. Check if it was discrimination To work out if an energy supplier has discriminated

• Problems with renting and energy bills

  ) and the landlord pays the energy supplier’s bills.  If your name isn't on the energy bill the energy company can't chase you for the debt. But if the account is in arrears they could decide to cancel your supply

• Money jargon A-Z

  , we explain the meaning of some common financial words. Use our debt and money pages if you need more help.  AER This stands for Annual Equivalent Rate. It’s a way of working out the interest you

• If you’re struggling to pay your phone, internet or TV bill

  licence, it's important to pay for it. It’s a criminal office to watch TV without a licence - you could be fined up to £1,000. If you don’t think you need a TV licence, you can tell TV Licensing

• HELMS (Home Energy & Lifestyle Management Ltd) and Green Deal complaints

  of their customers have told us they did not know HELMS were signing them up to the Green Deal or what the financial impact was of the Green Deal. Many HELMS customers now face higher energy bills, energy debts

• Challenging a Housing Benefit decision

  something wrong.  It’s fine to send copies - you don’t need to send the original paperwork. If the council missed a change you reported If you wrote to the council to report the change, send them

• If you're thinking of making a claim to an employment tribunal

  any judgments against your employer on GOV.UK. There’s no fee to pay for this.  You can check the Register of Judgments, Orders and Fines to see if your employer paid compensation. You have to pay