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• Going to your Universal Credit medical assessment

  If you're sick or disabled, find out how to prepare for the Universal Credit medical assessment and what the DWP’s decision means for you.

• Challenging a Universal Credit decision - mandatory reconsideration

  If you disagree with the decision about your Universal Credit claim, you can ask for ‘mandatory reconsideration’. Find out how to challenge the decision.

• Letter to cancel a credit agreement before it starts

  Use this letter to let a creditor know that you want to withdraw from a credit agreement before it is executed.

• Cancelling a package holiday

  Your rights if you want to cancel a holiday. If a holiday company has changed a holiday you booked or put the price up

• Check what tips and service charges you're entitled to

  Employers must pass on all tips to their workers. Check what the Tipping Act means for you

• What is the Best Start Grant

  The Best Start Grant is made up of three Scottish benefits that can help those on low incomes with the costs of having a child in the family. Find out more on this page.

• Banking – security and fraud

  Protecting yourself from fraud. What to do if you've had money stolen, been a victim of fraud or identity theft or if you've lost your bank cards or details

• Getting your money back if you paid by card or PayPal

  Check how to get a refund if you paid for something by credit card, debit card, charge card, or PayPal. Find out about 'Section 75' and 'chargeback'.