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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
Harassment by creditors
or, for example, fine the firm. It may be worth reminding the creditor that breaching the rules could affect their FCA authorisation. More about the FCA rules and guidance on debt collection in the FCA's Consumer
Tips for phoning organisations or businesses
taking the call they might hang up. You might also end up on a list of people that the organisation is not prepared to deal with over the phone it is fine to say you are frustrated and that you
Trust deeds in Scotland
debts can be included in a trust deed. You cannot include: court fines and other court orders, such as penalties and compensation orders debts obtained fraudulently maintenance payments to a spouse
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
Information for private landlords
out property without being registered, and you could be fined up to £50,000 for doing so. You can register online on the Scottish Landlord Register website or through your local council. Immigration
Problems with renting and energy bills
-meter or separately) 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
What counts as disability discrimination
a fine of £1,000 if they fail to transport wheelchair users. Taxi drivers must provide passengers in wheelchairs with assistance and charge wheelchair users the same as non-wheelchair users. Bus
Parental bereavement pay - what you're entitled to and how to get
, HMRC will fine them and pay you directly. If you can’t contact HMRC, the National Insurance general enquiries helpline can give advice about statutory payments. National Insurance: general enquiries
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