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     1  ~ 2014 oct 05credt notes legalCitizens Advice - Do I have to take a credit note if I return goods?Credit notes in exchange for returned goods - FAQ. ... then you do not have to accept a credit note , you are within your legal rights to ask for your money back.
     1  +63 2014 oct 04small claims processCitizens Advice - Small claims - AdviceGuideInformation on the small claims procedure including taking a case through the procedure, appeals and enforcement of court orders.
     1  +2 2014 oct 04employment law ukCitizens Advice - Basic rights at work - AdviceGuideYour contract of employment cannot take away rights you have by law . ... at work in England , Wales and Northern Ireland, see Young people and employment . ‎Employment fact sheets - ‎Rights to pay - ‎Holidays and holiday pay
     1  +39 2014 oct 03household income debt reliefCitizens Advice - Debt relief orders - AdviceGuideOverview and content list for Debt relief orders. ... DROs - what you need to know · Credit rating - impact of debt relief order · Assessing income , debt and assets ... ‎What you need to know - ‎Credit rating - impact of debt ... - ‎Debt relief orders
     1  ~ 2014 oct 03debt advice ukCitizens Advice - Help with debt - AdviceGuideTo start dealing with your debt problems, look at our page on How to sort out your debts . This will help you work out how much money you owe and whether ... ‎How to sort out your debts - ‎Options for dealing with debt - ‎Bankruptcy - ‎Budgeting
     1  +1 2014 oct 03cooling off periodDoes the distance sale cooling - off period apply to you? - AdviceGuideHowever, there are some situations when you have no right to a cooling - off period . This page tells you about when the cooling - off period won't apply to a ...
     1  ~ 2014 oct 03employer witholding holiday payEmployer withholds your pay - AdviceGuidewages . Your employer might have withheld your pay because they: ... have not paid you holiday pay , Statutory Sick pay , Statutory Maternity.
     1  +1 2014 oct 01free divorce adviceCitizens Advice - How do I go about getting a divorce ? - AdviceGuideYou or your partner must be living in England or Wales when you apply for the divorce or one of you must have been living in England or Wales during the year  ...
     1  ~ 2014 sep 30sell timeshare pointsCitizens Advice - You want to sell your timeshare - AdviceGuideYou should be aware of some rules about the resale of timeshares before you try and sell . This page explains the best way to sell your timeshare and point out ...
     1  +10 2014 sep 30accident injury claimCitizens Advice - Personal injuries - AdviceGuideinform the police if, for example, the injury resulted from a road accident ; if the ... If you have sustained a personal injury you may be able to claim two types of ...
     1  ~ 2014 sep 30rights at workRights at work including time off work, health and safety, trade unions, harassment and discrimination, Sunday working, notice and whistleblowing. ‎Employment fact sheets - ‎Rights to pay - ‎Holidays and holiday pay
     1  +1 2014 sep 30money debt scotlandCitizens Advice - Debt and money - AdviceGuideScotland home; Debt and money ... Keeping on top of your money is a very important aspect of most people's lives. Sometimes ... View all… in Help with debt  ...
     1  +9 2014 sep 30list of benefitsCitizens Advice - Benefits - AdviceGuideOverview and content list for benefits . ... These pages give you information on benefits and tax credits if you are working or unemployed, sick or disabled, ... ‎What benefits can I get? - ‎Sick or disabled people and ... - ‎Help if on a low income
     1  +1 2014 sep 30change my nameCitizens Advice - Changing your name - AdviceGuideIf you wish to be known by a different name you can change your name at any time, provided you do not intend to deceive or defraud another person. There is no ...
     1  +1 2014 sep 30help with mortgage paymentsCitizens Advice - Help with mortgage costs if you're out of workHelp with mortgage costs if you're out of work. If you're struggling to pay your mortgage because you're out of work, you must take action quickly to stop yourself ...
     1  +1 2014 sep 30redundancy procedureRedundancy – procedures your employer must follow - AdviceGuideEven if there is no redundancy procedure written down in your employment contract, there may be a procedure which your employer has used regularly in the ...
     1  +5 2014 sep 29property boundary disputeCitizens Advice - Neighbour disputes - AdviceGuideIf a dispute arises between neighbours about the boundary between their properties , it will be necessary to establish who owns the disputed land. The primary ...
     1  +1 2014 sep 29help with benefitsBenefits . It's important to make sure that you get all the help that you're entitled to. These pages give you information on benefits and tax credits if you are ... ‎What benefits can I get? - ‎Sick or disabled people and ... - ‎Help if on a low income
     1  ~ 2014 sep 28mail lateCitizens Advice - Your mail is delivered late - AdviceGuideIt is important that any late mail is reported to Royal Mail , as this information can be used to highlight any problem areas. However, your rights and options will ...
     1  +16 2014 sep 27pensions information guide ukCitizens Advice - Pensions - AdviceGuideOverview and content list for pensions . ... Information on choosing a qualified financial adviser, how much advice will ... Registered number 1436945 England .
     1  ~ 2014 sep 27dealing with creditorsCitizens Advice - How to deal with your creditors - AdviceGuideIt's almost never too late to start talking to your creditors and most creditors will appreciate it if you contact them. To be able to deal with your creditors , you'll need ...
     1  +13 2014 sep 27landlord increasing rentCitizens Advice - Can my landlord increase the rent ? - AdviceGuideHow and when a private landlord can increase rent , how to appeal against a rent rise and ... I rent my flat privately and the landlord wants to increase the rent .
     1  ~ 2014 sep 26benefits in kindCitizens Advice - Tax on benefits in kind - AdviceGuideBenefits in kind are benefits which employees or directors receive from their employment but which are not included in their salary cheque or wages. They are  ...
     1  ~ 2014 sep 26bankruptcy adviceCitizens Advice - Bankruptcy - AdviceGuideIf you are faced with bankruptcy , you'll need expert advice . You can get advice about your debt problems and bankruptcy from your local Citizens Advice bureau .
     1  ~ 2014 sep 24landlords advice ukCitizens Advice - Information for landlords - AdviceGuideA landlords association may also be able to help you. Landlords associations include the National Landlords Association at www. landlords .org. uk and the ...
     1  ~ 2014 sep 24willsCitizens Advice - Wills - AdviceGuideThe suggested minimum donation is £90 for a basic single will or £135 for a pair of identical wills for a couple. More information about Will Aid, together with ...
     1  +14 2014 sep 23timeshare agreementsCitizens Advice - Cancelling a timeshare agreement during the If your timeshare agreement is covered by the timeshare regulations, you get a 14 day cooling-off period during which you can change your mind. This period ...
     1  +5 2014 sep 16i didn't do much workCitizens Advice - Charged too much for work – garage repairsIf you asked the garage to do only a specific piece of work and they have done extra work that you didn't ask for, you can ask them to undo the work . For example ...
     1  +1 2014 sep 15lost my jobCitizens Advice - I have just lost my job . What benefits can I get?If you are sick or disabled, you may be able to get Employment and Support Allowance (ESA). If you are a lone parent or a carer, you may be entitled to Income ...
     1  +1 2014 sep 14holiday days off for xmasCitizens Advice - Bank and public holidays - AdviceGuideIf you work in one of these shops, you must be given Christmas Day off , regardless of which day it falls on. However, whether or not you will be paid will depend ...
     1  +4 2014 sep 14how to change your name
     1  +2 2014 sep 13non payment of wages tribunalCitizens Advice - Employment tribunals - claims for breach of contractClaiming compensation for breach of contract including non - payment of wages and for unpaid notice or unpaid pay in lieu of notice.
     1  +100 2014 sep 11divorce adviceCitizens Advice - Ending a marriage - AdviceGuideInformation on financial issues, children and housing during divorce and separation, including the process of family mediation.
     1  +12 2014 sep 11what is a guarantorCitizens Advice - Student housing – using a guarantor - AdviceGuideMany private landlords require a third party to act as a guarantor for the rent payments before they'll agree to let a property to a student. It's important for anyone ...
     1  +3 2014 sep 09change a name
     1  +1 2014 sep 09lost my job now what
     1  +100 2014 sep 07car accident claimsInsurance Making a claim if you're in an accident - AdviceGuideIf your car is in an accident , you may want to make a claim on your motor insurance. This page tells you what you need to know before you make a claim .
     1  ~ 2014 sep 06low budget solistersCitizens Advice - Can I get a solicitor if I don't have much money?Solicitors are not the only people who can provide legal advice. Legal help may be ... There are other ways of obtaining legal help at a lower cost . These include  ...
     1  +1 2014 sep 05iva adviceCitizens Advice - Individual voluntary arrangements - AdviceGuideThis section will tell you how an IVA works and help you decide whether it's the right solution for you. It also tells you how an IVA is set up, how it's managed over  ...
     1  +1 2014 sep 05self employed low incomeCitizens Advice - Benefits and tax credits for people in workyou work at least 16 hours a week and; your income is low enough and; you ... You should report major changes in your income to HMRC , otherwise you may be ...
     1  ~ 2014 sep 03sale items returnsCitizens Advice - Can I return something I bought in the sales ?If the fault was pointed out to you before the sale , for example on a sign, label, or by the shop assistant, the shop doesn't have to take the item back . This could ...
     1  ~ 2014 sep 03bankruptcy advice ukYou can get advice about your debt problems and bankruptcy from your local ... Her Majesty's Courts Service (HMCS) website at www.hmcourts-service.gov. uk .
     1  +77 2014 sep 02law and employmentYour contract of employment cannot take away rights you have by law . So if, for example, you have a contract which states you are only entitled to two weeks' ... ‎Employment fact sheets - ‎Rights to pay - ‎Holidays and holiday pay
     1  +5 2014 sep 02stop nuisance callsCitizens Advice - Stopping nuisance calls - AdviceGuideStopping nuisance calls . Nuisance calls include malicious or harassing calls, unsolicited marketing calls and silent calls. This page has advice on what to do if  ...
     1  ~ 2014 sep 02email templates citizenCitizens Advice - Sample letters - AdviceGuideUse our interactive tool to help you write letters if you have a problem with a consumer issue, debt or rented housing repairs.
     1  ~ 2014 sep 01need advice on bankruptcy
     1  ~ 2014 sep 01how many tickets issuedParking tickets issued by the council - AdviceGuideIf you park on public land and break the parking rules, you can be issued with a parking ticket . In many areas, including the whole of London, parking on public ...
     1  +33 2014 sep 01small claims court procedureInformation on the small claims procedure including taking a case through the procedure , appeals and enforcement of court orders.
     1  ~ 2014 aug 31credit card debts scotlandCitizens Advice - What options are there for dealing with debtwith debt . This information applies to Scotland only .... You can use a consolidation loan to pay off things like credit card debts and loans . However, if you can ...
     1  +1 2014 aug 31long term consequences ivaCredit rating - impact of IVA - AdviceGuideThis page tells you about how an IVA may impact your credit rating and access to future credit. ... Will an IVA affect your credit rating in the long term ? Once the ...
     1  ~ 2014 aug 31letting flat problemCitizens Advice - Common problems with renting - AdviceGuideAdvice on dealing with a range of common housing problems , from repairs to fuel bills and ... I don't want to say he can't come into the flat in case he evicts me.
     1  ~ 2014 aug 31credit card debt scotlandwith debt . This information applies to Scotland only .... You can use a consolidation loan to pay off things like credit card debts and loans. However, if you can ...
     1  ~ 2014 aug 30debt help options scotlandOptions for dealing with debt including debt management plans, debt ... Scotland home · Debt and money · Help with debt ; What options are there for dealing ...
     1  ~ 2014 aug 30debit relief orderOverview and content list for Debt relief orders .
     1  ~ 2014 aug 30interim charging orderCitizens Advice - Charging orders - AdviceGuideAn interim charging order is usually granted by the court to stop you from selling your property before the final order can be made without your creditor knowing.
     1  ~ 2014 aug 28types of redundancy payCitizens Advice - Redundancy pay - AdviceGuideA redundancy payment is compensation because your job has disappeared. You may have the right to redundancy pay from your employer. There are two sorts ...
     1  +5 2014 aug 28statutory cooling off periodWorking out whether the cooling - off period applies to you after you buy ... sale, the law says you can usually cancel your contract within a cooling - off period .
     1  ~ 2014 aug 27pay payday loanCitizens Advice - Payday loans - AdviceGuideThis page tells you about what the lender should do before they offer you a payday loan , how you pay back the loan and what happens if you can't pay .
     1  +100 2014 aug 27legal aid family lawCitizens Advice - Help with legal costs - legal aid - AdviceGuideYou can't get legal aid for most private family law cases such as divorce, or disputes about children and finances unless you're a victim of domestic violence or ...
     1  +2 2014 aug 26sell and rent backCitizens Advice - Sale and rent back schemes - AdviceGuideThe Financial Conduct Authority (FCA) is the government's financial watchdog, responsible for making sure private sale and rent back firms follow the rules.
     1  +6 2014 aug 26marital separation and childrenInformation on financial issues, children and housing during divorce and separation , including the process of family mediation.
     1  ~ 2014 aug 25landlord advice ukA landlords ' association may also be help you. Landlords ' associations include the National Landlords Association at www. landlords .org. uk and the Residential  ...
     1  ~ 2014 aug 25non uk divorceIf you're not a British Citizen and your marriage ends, this could affect your right to stay ... If you do decide later to divorce and the court is involved it can change an ... divorce proceedings on the Scottish Court website at www.scotcourts.gov. uk .
     1  +1 2014 aug 24small landlords adviceCitizens Advice - Renting from a private landlord - AdviceGuideInformation on assured tenancies and assured shorthold tenancies for private tenants including rent, repairs and the right to stay in the accommodation.
     1  ~ 2014 aug 24sell rent back
     1  ~ 2014 aug 24sale and rent back
     1  ~ 2014 aug 24letter before action debtCitizens Advice - Step one: Write a letter before action - AdviceGuideIf going to court is your only option, you must send the trader a formal letter before action (or letter before claim) to give them one last chance to settle the matter. ‎Letter before court action - ‎Step two: Starting your court ...
     1  +11 2014 aug 24cab pi lawTo search for details of your nearest CAB , including those that can give advice ... If you want to take legal action to claim compensation for a personal injury you ...
     1  +2 2014 aug 24changing a salary contractChanges to employment contracts - AdviceGuidepay . Your contract of employment will include a number of other details ... Changes your employer may want to make to your contract include:.
     1  +7 2014 aug 23letter to creditorsCitizens Advice - Sample letters to creditors - AdviceGuideIf you've got debts you can use our sample letter generator to write to your creditors . You can use the letter templates to tell your non-priority creditors about your ... ‎Offer to non-priority creditor - ‎Request to write off a debt - letter - ‎Holding letter
     1  ~ 2014 aug 23sell and rentback
     1  ~ 2014 aug 23sell to rent backA sale and rent back scheme run by a private firm allows you to sell your home to that firm and then rent it back from them as a tenant. You would normally sell  ...
     1  +2 2014 aug 23uk debt help
     1  ~ 2014 aug 23letter before action
     1  ~ 2014 aug 23getting divorced in scotlandYou can only get a divorce in Scotland if you satisfy certain rules about where you both live. The rules are complicated and you should get more advice from a ...
     1  ~ 2014 aug 22goods not deliveredCitizens Advice - Common problems with products - AdviceGuideConsumer law protects you when you buy goods . ... For example, if your item is faulty or a delivery has not arrived. ... What you can do about faulty goods . ‎Lost, found and uncollected ... - ‎Goods are not as described - ‎Problems with delivery
     1  +100 2014 aug 21declare bankrucy how longAdvantages and disadvantages of going bankrupt and how to go bankrupt . ... The bankruptcy record will stay on your credit reference file for six years so it may ...
     1  +5 2014 aug 21citizens rates frozenCitizens Advice - Dealing with the financial affairs of someone who Adviceguide: self help from Citizens Advice. Search our site. A to Z index ..... The legal fees can be paid for from the estate. If there are any problems with the way ...
     1  ~ 2014 aug 20warrant of possessionCitizens Advice - Eviction for rent arrears - AdviceGuideIt might be possible to persuade your landlord not to apply for the warrant of possession . For example, your financial circumstances may have changed or your ...
     1  +1 2014 aug 20legal action letter templateWriting a letter before action before you take a trader to court covering what to put
     1  +7 2014 aug 20write a letter builderCitizens Advice - Letter to builder about poor quality workLetter to builder about poor quality work. 1 - Introduction; 2 - Write ; 3 - Preview; 4 - Download. This is a letter to ask a builder to sort out poor quality work.
     1  ~ 2014 aug 19problems at workCitizens Advice - Problems at work - AdviceGuideIf you have a problem at work , these pages will help you understand how to tackle it and what to do at each stage, whether you're sorting things out informally , 
     1  ~ 2014 aug 19credit card issuesCitizens Advice - Problems with credit cards - AdviceGuideInformation about potential problems with credit cards, including effect on ... If you pay for goods or services by credit card and things go wrong, you may be able ...
     1  ~ 2014 aug 19debt relief order uk
     1  ~ 2014 aug 19employer advice dismissalCitizens Advice - Can my employer dismiss me because I am If your employer dismisses you because of your pregnancy you could make a claim to an Employment Tribunal for automatic unfair dismissal (regardless of how ...
     1  ~ 2014 aug 18im in debtCitizens Advice - My debts are out of control. What can I do?Dealing with debts including prioritising debts , taking out loans to pay off existing debts , checking entitlement to ... What can I do if I'm threatened with bailiffs?
     1  +6 2014 aug 16payments owed legalWinning a claim if your employer owes you money - AdviceGuidelegal deductions, such as tax and national insurance; deductions agreed ... Pay in lieu of notice is money you're owed if you and your employer ...
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