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• Ending a joint hire purchase or a conditional sale agreement - letter

  Letter to end a joint hire purchase or conditional sale agreement. You might need to do this if you can't afford the payments any more

• Creditors still contacting you - debt management plans

  Explains why creditors may still contact you while a debt management plan is in place and what to do if a creditor is harassing you

• Powers of sheriff officers

  Information about sheriff officers’ duties and powers, including advice about how to stop them taking action against you and how to complain about them

• Scottish benefit fraud

  Information about benefit fraud of Social Security Scotland benefits including Best Start Grant, Adult Disability Payment, Child Disability Payment, Young Carer's Grant, Funeral Support Payment, Scottish Child Payment and more.

• Get help if you’re behind with your energy bills

  Find out what to do if you're having problems paying your energy bills or you're in debt to your supplier

• Get help if you're behind with your energy bills

  Find out what to do if you're having problems paying your energy bills or you're in debt to your supplier

• Disclosure and declaring a criminal record

  Information on disclosing criminal convictions in relation to employment and about the disclosures offered by Disclosure Scotland

• Septic tanks

  Buying and registering a septic tank, how septic tanks work, and information on desludging and problems such as blockages, overflows and leaks

• Public sewerage

  Getting connected to the public sewage system, and finding out who is responsible for maintenance and  improvements to your system and for dealing with problems such as blockages, flooding and smells

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

  Get free advice to find out if you've been scammed by HELMS (Home energy and lifestyle management ltd) when they sold you solar panels, wall cladding and other energy efficient products for your home