You’ll have legal rights if something you bought is:.➡️ Broken or damaged.➡️ Unusable.➡️ Doesn’t match the seller’s description. Try our online tool to check your consumer rights ⤵️.

You might need a ‘guarantor’ if you’re looking for a place to rent. This is someone who agrees to pay your rent if you don't pay it, for example a parent or close relative. Our advice can help you ⤵️.

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You should check what your employment contract says about working on bank holidays. If you don’t have a contract, ask your employer what their rules are. Find out more ⤵️.

✅ Budgeting can help you understand what you’re earning and spending and where you might be able to cut costs. Here’s how you can get started with budgeting ⤵️.

✉️ Did you know a water company can backdate water bills, regardless of whether they have billed you before?. Check when you might find yourself in this situation and what you can do about it ⤵️.

Your employer should pay you on time for work that you’ve done. ➡️ You can challenge your employer if they haven’t paid you or you’ve been underpaid. We can help you understand your rights ⤵️.

⚖️ If you’re going to court as a witness, there are some things you can do to help you prepare for the day. Check our online advice ⤵️.

❌ Your supplier can’t make you move to prepayment if it wouldn’t be safe or practical. This includes if you have a health condition or disability which needs a continuous supply of energy for medication or equipment. Find out more on our website ⤵️.

If you can’t afford the food you need there are food banks that can help. You’ll usually need to get a referral to a food bank before you can use it. Our advice can help ⤵️.

🏠 Thinking about buying your first home can be overwhelming. There’s lots to get your head around and consider when choosing a property. Here’s our top tips to help you navigate the process ⤵️.

Council tax is a system of local taxation collected by local councils - it’s a tax on domestic property. Usually the person living in a property will be liable to pay council tax. Check our website to read more ⤵️.

Did you know there are different schemes to help you pay for childcare?.These will only pay for ‘approved childcare’. ✔️ You might also be able to get more help if you get any benefits. Find out more ⤵️.

If you think there’s a problem with the structure of your building, you have the right to report it. This includes:.➡️ Parts of the building falling off such as bricks or cladding.➡️ Gaps between walls and floors. Our advice can help ⤵️.

💼 Your employer has to offer a workplace pension scheme by law. They have to automatically enrol anyone who’s eligible - this is called automatic enrolment. We can help you understand ⤵️.

☀️ Travelling in Europe this summer? . Make sure you got everything covered, from your passport validity to travel insurance. Here’s what you need to know ⤵️.

Your Universal Credit payments might be reduced if you’ve:. ➡️ Earned more from work.➡️ Been overpaid on your benefits.➡️ Been sanctioned. We can help you understand what this means for you and what steps you might be able to take. 🔗 Find out more on our website, link in the

You have the right to take time off work in certain circumstances - these are called 'statutory rights'. This time off might be paid leave or unpaid leave. Check your work rights ⤵️.

🏠 Are you sharing a home and renting with other people?.It’s important you know what type of tenancy you have - this can affect your rights and responsibilities. Here’s what you need to know ⤵️.

💳 Facing issues paying your credit card? . There’s things you can do to improve your situation. Our advice can help you ⤵️.

You might be able to get help paying your bills depending on:. ➡️ How you pay for your energy.➡️ The type of energy you use.➡️ If you claim benefits. Find out what you’re entitled to ⤵️.