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• Letter to complain about non-delivery of goods

  Use this letter to 'make time of the essence' when an item you've ordered hasn't been delivered

• Using your smart meter’s in-home display

  Check how you can use your smart meter’s in-home display (IHD) to help save energy. Check how to get an IHD if you don’t already have one

• Work out your budget

  Use a budgeting tool to help you understand what you’re earning and spending and where you might be able to cut costs

• If a creditor takes money from your bank or building society

  Information about bank or building society accounts being frozen by a creditor, what the protected minimum balance is, challenging the arrestment and applying for time to pay

• Before you get work done on your home

  Steps to help you avoid disputes and problems with building work, home improvements, renovations and repairs

• You can't afford the rent for your council home

  Get help if you can’t afford the rent for your council home. Find out more about discretionary housing payment and dealing with your rent

• Trust deeds in Scotland

  Information on what a trust deed is and when it might be an option for helping with debt problems. Also covers the advantages and disadvantages of a trust deed and explains the difference between a 'protected' or 'not protected' trust deed

• 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