Advice column

Article Index

Our advice column features common queries along with advice and information about what you can do to resolve them.

If you have an issue that you are trying to resolve and it is not covered below you can call us for advice on freephone 0800 144 88 48 (lines are open Monday to Friday, 9am to 5pm), or you can email us

January 2021

Coronavirus Scams

“I’m really worried about my elderly relatives being targeted by coronavirus scams - are there any warning signs that I can tell them to look out for? What should they do if they think that something is a scam?”

Unfortunately, we’ve seen an increase in scams since the beginning of the pandemic, so it’s good to be thinking about the steps you can take to help protect friends and family.

Common scams we’re seeing are about bogus testing kits, coronavirus vaccinations and government refunds or fines. You should watch out for messages about coronavirus from unusual email addresses or phone numbers, and shouldn’t click on any links. Be aware that you won’t be asked to pay for coronavirus vaccinations - they are provided for free by the NHS.

Here are some general warning signs to look out for:

You suspect you’re not dealing with a real company – for example, if there’s no postal address
You’ve been asked to transfer money quickly or to pay in an unusual way – for example, by iTunes vouchers or through a transfer service like MoneyGram or Western Union
You’ve been asked to give away personal information like passwords or PINs
You haven't had written confirmation of what's been agreed

If you think something is a scam you should hang up the phone, close the website, or shut the front door. Never feel pressured to make a decision straight away, and don’t give out personal details or money unless you’re certain that they can trust the person. If you feel threatened or unsafe you can ring 999.

For help with online scams, contact a Citizens Advice Scams Action adviser by calling 0808 250 5050. For more information about other types of scams, visit the Citizens Advice website.

December 2020

I’ve fallen behind on my bills and the debts are building up, and there’s Christmas on top of this. I don’t know where to start?

You’ve already taken a great first step by asking for help, and it’s important to know you don’t need to face this alone. You can contact your nearest Citizens Advice for help.

In the meantime here are four steps you can take to get started:

Work out how much you owe - Make a list of whom you owe money to and add up how much you need to pay each month. If you don’t have your most recent statements, contact your creditor to find out what you owe. Some creditors will have special arrangements for people with Covid-related arrears.
Prioritise your debts - Your rent or mortgage, energy and council tax are called priority debts as there can be serious consequences if you don’t pay them. Separate these and work out how much you owe. Again, you can ask the companies or council what support might be available during the pandemic.
Work out how much you can pay - Create a budget by adding up your essential living costs, such as food and housing, and taking these away from your income. The Citizens Advice budgeting tool can help.
Any money you have spare can be put towards your debts, starting with the priority debts first. If you have any money left after paying priority debts, but not enough to make your usual payments on other debts, consider getting advice on the best way for you to start getting on top of them. Or contact your creditors and offer them what you can afford to pay.
If you can’t pay your debts - If you’ve got little or no money spare to pay your priority debts seek advice from Citizens Advice straight away. If you’re struggling to pay for basics like food, seek help immediately to see what support might be available to you. If you can’t pay off other debts, such as credit cards and loans, it would also be worth contacting your nearest Citizens Advice.

We know it can feel very daunting to deal with debt, but having a plan really helps and our team will be here to help you each step of the way.

If you are worried about debt, here at Citizens Advice we have specially trained advisors available to help, so please do get in touch

You can call us for free on 0800 144 88 48 (lines are open Monday to Friday 9am to 5pm, excluding bank holidays); or you can email us

November 2020

I've had my hours cut at work. I'd like to take on a second job, but there's nothing around. I'm already worrying! I usually start buying the kids a few presents really early to spread the cost - but that's been impossible this year. How can I make less go further, without going into debt?

I'm sorry to hear about the cut in your hours, and what it means for you.

One way to stretch household finances is to shop around for the best deals on your mobile phone and broadband (depending on the details of your price plan), and on utilities, such as electricity (also see last month's column, below, for how to keep your energy bills down and our price comparison tool) . Installing a water meter can also sometimes bring savings.

It’s worth checking your insurances and subscriptions - cancel any you don’t need and shop around for the others. It’s normally cheaper if you don’t leave it until just before the renewal date.

If your children are school age there may be help available with uniforms, technology and free school meals. Citizens Advice websitehas more details.

A fall in income may mean you’re eligible for benefits, especially if you’re a parent or carer. The Turn 2 Us benefits checker is very useful.

It sounds like you’re normally very organised, and I’m sure this will stand you in good stead.

Make a list of the cost of your priority outgoings - such as housekeeping and essential travel - against your new income.

It’s easy to slip into overdraft, or miss a payment, and it can then become more and more expensive - and stressful - to get on the right track and out of debt. Likewise, think carefully about any ‘buy now pay later’ deals - they’re not always the best option long term.

If you are worried about debt, here at Citizens Advice we have specially trained advisors available to help, so please do get in touch

You can call us for free on 0800 144 88 48 (lines are open Monday to Friday 9am to 5pm); or you can email us

October 2020

How to keep your energy bills down

I’d like some advice on keeping my energy bills down please. I work in admin for a big company. We’ve been working from home since lockdown, and have been told we’ll not be back in the office before January at the earliest. Now the weather has turned, I’m freezing sitting here all day in front of my computer! I’m worried if I turn the heating up my bills are going to go through the roof!

I’m sorry this is causing you to worry. However, fortunately, there’s lots you can do to keep bills down.

Firstly, see if you can get a better deal by changing your energy supplier. However, as well as comparing prices, it’s a good idea to check the customer service record of a company before switching. Citizens Advice has a price comparison tool on our website, and our star rating assesses the customer service records of the 40 biggest companies.

There are also little, everyday things that can help, such as making sure televisions and other devices are switched off and not left on standby; washing clothes on a lower temperature; and only filling the kettle with the water you need.

You’re right in another way about bills going through the roof - and the walls. One way of cutting costs in the long term is to invest in good insulation - or ask your landlord to do so.

If your pay is close to the national minimum wage, the extra costs of working from home could be counted as a pay cut and bring you below the legal level. Talk to your manager or HR department, or your union rep if that feels more comfortable.

Finally, your employer should pay for any costs connected to your health and safety - such as a suitable chair for work at a computer. It’s also worth taking a look at your employer’s expenses policy, you may be able to claim for a number of other things, such as printer ink or telephone line rental.

If you need advice or have any questions about anything faeture here, you can call us for free on 0800 144 88 48 (lines are open Monday to Friday 9am to 5pm); or you can email us

Special redundancy edition

I’ve worked at the same company for many years but I’ve been told I’m being made redundant. What redundancy pay am I entitled to?

If you’re being made redundant, there are two types of redundancy pay you could get. ‘Statutory’ redundancy pay is the minimum that the law says you’re entitled to, or ‘contractual’ redundancy pay, which is extra money your contract says you can get on top of the statutory amount.

You’re usually only entitled to statutory redundancy pay if you’ve been an employee for at least two years. It’s worth asking your employer or checking your contract to see if you’re entitled to more than the statutory redundancy rules allow.

Statutory redundancy pay is based on age, weekly pay and number of years in the job, up to a max of £538 a week. The Citizens Advice and Gov.uk websites have calculators to help work out how much you’ll get. For example, if you’re aged 41 and over, you’ll get 1.5 week’s statutory redundancy pay for each full year you’ve worked, up to a maximum of 20 years’ service.

If your employer offers a suitable alternative job, but you refuse to take it without good reasons, they can refuse to pay your redundancy.

You won’t get statutory redundancy pay if you’ve been employed for less than two years, are self-employed or are in certain jobs like the armed forces or police (though you may be entitled to contractual pay).

If you’ve been furloughed, the law now says that your redundancy pay should be worked out using your usual wages, even if you were paid 80% while you were furloughed. However, statutory redundancy pay still limits a weeks’ pay to £538.

If your employer has told you that your redundancy pay will be based on your furlough rate of pay, you could explain to the employer that isn’t what the Gov.uk website says about redundancy pay, or contact your nearest Citizens Advice:

You can call us on freephone 0800 144 88 48 (lines are open Monday to Friday 9am to 5pm); or you can email us

Summer 2020

What do I need to do to ensure I keep getting Universal Credit?

Last month I signed up to Universal Credit for the first time, after I was made redundant. I am looking for a new job but I’m not sure if there’s anything more I need to do to ensure I keep getting Universal Credit?

When you apply for Universal Credit you’ll agree a Claimant Commitment with your work coach. A Claimant Commitment is a record of the responsibilities that you have accepted to receive Universal Credit payments. Your claimant commitment will be updated each time you see your work coach.

When you agree to your Claimant Commitment you will be put into one of four work-related activity groups (sometimes called “conditionality” groups). These set out the tasks you’re expected to complete in order to receive your full benefit payment. You can check which group you’re in by logging into your Universal Credit account online and checking your Claimant Commitment. If you’re not online, you will have been provided with a paper copy of your Claimant Commitment.

This will tell you which group you’re in and what tasks you'll have to do regularly to get Universal Credit. These tasks could include writing your CV, signing up for job alerts or applying for vacancies.

In order to show how you have completed the to-do list set out in your Claimant Commitment, you should keep a record of the tasks you’ve completed and how long they took in your Universal Credit online journal, or in a diary if you’re not online.

Some claimants, mainly those who have applied for Universal Credit for the first time since the outbreak of COVID-19, may not have a Claimant Commitment yet. Those who claimed before the outbreak, will have had their Claimant Commitment suspended during the outbreak and had no work-related requirements imposed.

From 1 July The Department for Work and Pensions (DWP) has said it will be calling all claimants to help them to prepare for work, so people should expect to be contacted to set up the Claimant Commitment. They do not need to contact the Department for Work and Pensions in the meantime.

The DWP has said that they will take a common-sense approach to work-related requirements and that those who are shielding, have childcare responsibilities because of COVID restrictions, etc. will have their Claimant Commitment tailored to reflect their circumstances.

You can find more detailed information and answers to some frequently asked questions in our article Universal Credit: What you need to know as job-hunting rules restart

If have further questions, we're here to help.

You can call us for advice on 03444 111 444 (lines are open Monday to Friday 9am to 5pm); or you can email us

July 2020

What are my rights if my employer makes me redundant?

It’s possible that some employers will not be able to continue to operate, or will need less employees, as the furlough scheme comes to an end, in which case they may decide to make redundancies.

When employers are making decisions about redundancies and who to make redundant, they must not discriminate and should follow a fair procedure. Even in a genuine redundancy dismissal, the employer may have unfairly dismissed you or acted in a discriminatory way.

Employees with 2 or more years’ service are entitled to statutory redundancy payments, and up to 12 weeks statutory notice of the redundancy. Contracts of employment may give higher redundancy payments and longer notice entitlements. Payment in lieu of untaken statutory paid holiday is also payable.

‘Workers’ are not entitled to statutory redundancy payments or notice of dismissal, and employees with less than 2 years’ service cannot claim unfair dismissal, but they are protected by discrimination law and are entitled to pay in lieu of holiday.

For more information about leaving a job, including dismissal and redundancy go to: https://www.citizensadvice.org.uk/work/leaving-a-job/

If have further questions, we're here to help.

You can call us for advice on 03444 111 444 (lines are open Monday to Friday 9am to 5pm); or you can email us

May 2020

Do I have to go back to work?

I work in retail and my company says it's starting to look at how we might reopen later in the summer. This is making me so anxious, even though I don't have any special health issues. I'm going to wear a mask, but not all the customers may do so. I used to take the bus to work, I don't have a car and I think it's too far to cycle. And I'm not even sure if my kids will be back at school by then! The thought of returning to work is keeping me awake at night. Do I have to go back to work?

The key here is “reasonable.” The government has published specific guidance for different businesses on the steps they can take to minimise coronavirus transmission. If you don’t think they’re complying, or are putting your health at risk, you should talk to them about this.

Similarly, they should listen to your concerns about using public transport. You could, for instance, ask to travel at a quieter time of day.

And the government has said that if you’re unable to work because of childcare issues your employer can continue to furlough you.

We would suggest approaching this as a problem that you and your boss can solve together. But if you do get a bad reaction, you could report your employer to the Health and Safety Executive. You should also get advice about your legal rights in this situation.

If have further questions, you can call us for advice on 03444 111 444 (lines are open Monday to Friday 9am to 5pm); or you can email us

April 2020

Struggling to keep up with the bills following a drop in income due to coronavirus

My income has dropped due to coronavirus and I’m struggling to keep up with all of my bills. I rent my house from a private landlord and pay all the usual bills - electricity, water, and Council Tax. How best can I juggle them, and is there any help I can get from the government?

If your income is reduced because of coronavirus, you should check whether you’re entitled to sick pay or to claim benefits. You can check your eligibility for both sick pay and benefits on the Citizens Advice website. If you’re already on existing benefits, these might also increase.

If you’re struggling to pay rent, talk to your landlord straight away. You should explain the situation and could ask for more time to pay, a temporary reduction in rent, or ask to catch up any missed payments by instalments. If you contact your nearest Citizens Advice an adviser can help you explain things to your landlord. If you can’t come to an agreement with your landlord, it’s a good idea to pay what you can afford and keep a record of what you offered.

The government passed an emergency law which means landlords have to give you three months notice to end certain tenancy types from 26 March. The court service has suspended all possession action for 90 days from 27 March. This means that even if you have been served a notice for eviction it’s unlikely it can be enforced during this time. You can find out more about what to do if you’re being evicted for rent arrears on the Citizens Advice website.

If you already claim Housing Benefit, you should tell the council your income has reduced. If you don’t claim it already, you might be entitled to help with housing costs from the government.

When it comes to your utilities, you should contact the provider as soon as possible. Depending on the type of bill, they may be able to arrange a payment plan, or have schemes in place for people in financial hardship. You should also talk to your local council, as your income has changed you might be entitled to a council tax reduction.

If you’re struggling to pay multiple bills, it’s important to sort out what’s known as ‘priority bills’ like energy bills or council tax over credit card bills. This is because the immediate consequences of not paying these things are much more serious. Information on the Citizens Advice website can help you with this.

If have other questions, you can call us for advice on 03444 111 444 (lines are open Monday to Friday 9am to 5pm); or you can email us

March 2020

Tickets for events

I’ve got tickets to an event next month and I’m not sure what will happen in light of coronavirus. I bought the tickets for myself and a few friends, one of them is worried about attending. What can I do?

Ticket holders who change their mind about going to see an event, such as a concert that is still going ahead, have no legal right to a refund.

If, however, the event is cancelled, your refund rights will depend on how you bought the ticket.

If you bought your ticket from an official seller and the organiser cancels, moves, reschedules, or makes the event behind closed doors, you should get a refund. This is the case even if it is cancelled due to a government ban on large events. The official seller is the best person to ask about how to get a refund.

If you bought your ticket from a ticket-reselling website, refunds will depend on the site's terms and conditions.

If you bought from a private seller and the event is cancelled or rescheduled then it is unlikely you will be able to recover your money. We recommend you contact the seller.

If you're due to go to an event, keep checking the information from the official seller or organiser to ensure you're up to date.

Unfortunately we’ve found that in these situations scammers prey on those who are affected.

If your event is cancelled and people or companies offer their services to try to recover money on your behalf, make sure that you're looking out for the signs of a potential scam.

February 2020

Small business money worries

I run a small business. It’s been a very difficult six months for us, we lost a contract with one of our major clients and I just haven’t been able to replace it with new business. Now I’ve just received a huge energy bill. It feels like the last straw and I'm really stressed.

I’m sorry to hear about your problems. The first thing to do is to call the Citizens Advice consumer service on 0808 223 1133. They can often help to resolve problems with energy suppliers.

It’s particularly important to do this quickly if you’re on a business contract and you’ve been told you’re going to be disconnected. If this happens an extra fee can be added to your bill, and then there’ll be another charge for being reconnected.

If you think the bill is wrong, get in touch with your energy company. If you are a microbusiness you can only be charged for gas or electricity you’ve used in the last 12 months - they can’t send you a new bill dating back longer than a year.

If the bill is correct, but you just can’t afford it, your energy supplier might agree to a payment plan. Work out a realistic budget so you know you’ll be able to afford the payments. Here at Citizens Advice we can help sole traders and individuals, but for other businesses there’s the Business Debtline on 0800 197 6026.

Moving forward, if your bills are being estimated you might be paying more than you need to. Set up a reminder on your phone to send monthly meter readings to your supplier or see if you can get a smart meter installed.

You may also find switching energy companies will save you money. You could also try energy efficiency measures such as switching off computers and other equipment overnight, using energy efficient light bulbs or making sure your premises are insulated.

January 2020

Applying for Settled Status

I’m from Poland and I know I need to apply for Settled Status as the UK leaves the European Union. But I’m really confused about what documents I need in order to apply for me and my children. We’ve lived in England for six years and I’m worried that if we don’t apply before the end of the month, we might have to leave.

You don’t need to apply by the end of the month - your rights won’t change until 31 December 2020. However, you should apply as soon as you can in case of any delays. After the transition period ends on 31 December you might be asked to prove your right to do things like get a job or use a service like the NHS. Having your status sorted will make this more straightforward.

To get settled status, you need evidence that you’ve lived in the UK for 6 months out of every 12 months for 5 years in a row. As you say you and your children have lived in the UK for six years, you should be eligible for this.

In order to apply, you’ll need to have a few things. These include a passport or national ID card, a digital photo, your National Insurance number or proof of how long you've lived in the UK, a mobile number and an email address.

If you’ve been working, you can find your National Insurance number on your pay slip. If not you can contact HM Revenue and Customs National Insurance Helpline on 0300 200 3500 to help find it.

It may be easier to make your children’s application after you’ve made your own. This way you’ll be able to ‘link’ your child’s application to yours, using the application number you got when you applied for yourself.

You can do this at any time after you’ve applied - you do not need to wait for a decision. And if your own application is successful, your child will get the same status as you.

In order to apply on behalf of your children, you will need to have proof of your relationship - for example a birth certificate.

If you need any extra help with your application, your local Citizens Advice is on hand to help.

You can also find more information about what Brexit means for you on the Citizens Advice website

This page is no longer updated, for the most up-to-date advice, please visit www.citizensadvice.org.uk

December 2019

Parcel delivery problems

I bought my mum a Christmas present from an online store. I paid extra for next day delivery but it hasn't arrived. I tried to contact the delivery company but wasn't able to speak with anyone. The online store has said my parcel is with the delivery company and should arrive soon. If it doesn't arrive soon, I won't be able to give it to my mum for Christmas. What can I do?

You paid for next day delivery so your goods should be delivered on the agreed date.

Because you bought something from a business to be delivered to you, it’s the seller’s responsibility to make sure the item is delivered.

As the seller used a courier, they should chase the courier to find out what’s happened to your order - it’s not your responsibility.

If you want the item:

Under the Consumer Rights Act, you can ask the seller to deliver the item again if the item wasn’t delivered by the agreed date.

Other steps to take if you want the item could be:

● Cancel your original order and reorder it again from the same or a new online store

● Check if a local store stocks the item(s)

● Keep trying to contact the delivery company via tracking tools/phone/email

If you want to cancel your order:

You can cancel and ask for your money back because you haven't received your goods on the agreed date. Tell the seller that what has happened to your order is "a breach of contract under the Consumer Rights Act 2015" - as the delivery date was essential and they didn’t meet it.

You can find useful template letters and your rights on the Citizens Advice website.

Alternatively you can call our consumer service on 0808 223 1133. It’s open Monday to Friday, 9am to 5pm, and provides advice on consumer issues.

November 2019

Keeping the cost of your bills energy down

I live with my two children and partner in a small semi-detached house. During the winter we use more heating and electricity as we’re home more. Do you have any tips on how I can keep the cost of my energy down during the winter?

There are a few things you can do to save some money during the winter period. Check when your energy contract is due to expire. If you're at the end of your contract use energy compare by Citizens Advice to see if you could save money by switching supplier or tariff.

If you're on a prepayment meter you could save money by replacing your meter with one that lets you pay after using energy rather than in advance. Most suppliers won’t charge you for removing a prepayment meter, though many will run a credit check or ask you for a deposit.

You may also be eligible for certain grants and benefits, these could include Warm Home discount or help with energy debt. Contact your nearest Citizens Advice if you need help with the application.

Here's a few practical tips to help keep costs down:

Using a timer for your heating, lowering your thermostat and using radiator valve controls could save you over £100 per year
Changing light bulbs to an energy-efficient one could save £50 over the lifetime of the bulb
Turn appliances off standby mode to save around £30 a year
Seal cracks in floors, skirting boards and add draft excluders to letterboxes, doors and windows.

Some energy suppliers also offer grants to allow improvements to your home, like insulation or a new boiler. What help you can get depends on your circumstances and what would help your home. You don’t need to be a customer of one of these suppliers to apply but you’ll need to check your eligibility.

More information about scams and what you can do can be found on the Citizens Advice website.

October 2019

Blue Badge scheme

My mum has a non-visible disability, which causes her walking difficulties. I heard something on the news about how she may now be eligible for a blue badge. How can I find out about this and help her apply?

On 30 August, the Blue Badge scheme was extended to people who live in England and have non-visible disabilities or conditions which affect their ability to walk. As a result, your mother may now qualify for a badge.

Your mother will be automatically eligible if she gets certain types of benefits. These include some categories of Personal Independence Payment and the higher rate mobility component of Disability Living Allowance.

If she’s not automatically eligible she can still apply for a badge. Her local authority will use evidence from doctors and other healthcare professionals to determine whether she qualifies or not.

Your mother can check her eligibility and apply for a local authority-issued Blue Badge at gov.uk/apply-blue-badge. If she can’t do this herself, you can apply on her behalf.

You’ll need a recent digital passport-style photo, proof of her identity, address, details of any benefits she receives, her National Insurance number, and evidence of how her non-visible disability or condition affects her mobility.

More information about whether you're eligible for a blue badge to help you park more easily, how to apply for and use a blue badge, and what to do if you're refused one can be found on the Citizens Advice website.

June 2019

Scams

About five years ago my father-in-law was the victim of a scam artist who fleeced him out of £5,000. Once he realised, he was devastated and we were able to work with his bank to get some of the money back. We thought it was all in the past but in the last six months he’s received numerous calls, letters and texts from what look like other scammers. We want to try and keep him safe as his memory isn’t the best, what can we do?

Unfortunately, falling victim to a scam once can increase exposure to further scams. Citizens Advice has found that, once someone has responded to a scam, their personal details can sometimes be sold onto other criminals. This then opens the door to more scam mail, emails, phone calls or home visits.

If you recognise a pattern of unsolicited calls, talk to your father-in-law’s telephone provider and see if you can get these numbers blocked or if you can get something called a ‘standalone call blocker.’ If not, register your father-in-law’s number with the Telephone Preference Service who can help you to handle unwanted marketing calls.

If your father-in-law is receiving texts it’s important that he never replies, as sometimes there can be costly hidden charges. He can report the texts to his mobile phone provider who will be able to block the number. If he’s already been stung and call cost information wasn’t given, he should report it to Phone-pay Plus.

Mail scammers can often impersonate banks, the local council, or other established and legitimate organisations. You should advise your father-in-law against responding unless he’s sure it’s legitimate and was expecting a letter. If in doubt he should contact the organisation directly to check the letter’s legitimacy. He should be careful to not just ring up the number on the letter as it could be a bogus call centre.

In addition, to safeguard your father-on-law from unwanted marketing material or junk mail, register his name and address for free with the Mailing Preference Service which will take his name off some mailing lists.

Doorstep scammers can often be intimidating, and unfortunately they commonly target older and more vulnerable people. Your father shouldn’t be embarrassed turning people away and shouldn’t let them in unless he’s expecting them. If someone comes to the door saying they are from one of his utility companies for example, he should ask to check their credentials. If in doubt, he should phone the company they represent or check online, but once again make sure to not just use the contact details they provide.

More information about scams and what you can do can be found on the Citizens Advice website.

April 2019

Council tax arrears

My first council tax bill of the year has come through and I know I’m not going to be able to afford it with so many other important bills to pay, let alone food. What should I do?

Council tax arrears is a “priority debt”, which means you need to address it before paying off other non-priority loans like credit cards.

Once you’ve missed a council tax payment, you’re in “arrears” and so owe money to your council. You should receive a letter from your council - it’s important not to ignore this as after 14 days your council can take you to court and request you pay your entire year’s bill at once.

It’s important you speak to the council straight away if you don’t think you can pay. Ask to speak to someone in the council tax office and tell them about your situation.

You’ll probably be asked to commit to paying a regular amount each month. If you're not sure how much you can afford, use the Citizen Advice budgeting tool or talk to one of our advisers.

If you're on a low income, you might be able to get a reduction on your council tax bill. You might also be able to qualify for your council’s Hardship Scheme. You can read more about getting help with your council tax on the Citizens Advice website.

If you fail to pay your council tax arrears you’ll have to pay court costs and possibly bailiff fees as well as your debt, which can add hundreds of pounds to your bill.

If you’re struggling with multiple debts you can contact your local Citizens Advice.

This page is no longer updated, for the most up-to-date advice, please visit www.citizensadvice.org.uk

December 2018 advice column

Money worries

I’ve got three kids, and as usual, my finances are not in good shape ahead of Christmas. I’m on a low income so had to put some purchases on a credit card. I have been trying to pay it off but I’m already behind on other bills. I haven’t been able to pay my council tax in three months and received payment reminders from my energy provider. What should I do?

First things first, work out how much you owe - make a list of who you need to pay each month and how much. If you don’t have your most recent statements, you can contact your creditors to find out.

Make sure you are getting all the income that you are entitled to. For example, you may be entitled to tax credits to top up your income or help with child care, housing costs or school meals.

Create a budget by adding up essential living costs, such as food and housing, and take these away from your income. Any money you have spare can be put towards your debts. Citizens Advice’s budgeting tool, found on its website, can help.

Your council tax, rent or mortgage, and energy are priority debts as there can be serious consequences if you don’t pay them. These must be paid first. Separate these and work out how much you owe.

As you’re already in arrears with your council tax, you must act quickly and contact your council to arrange an affordable payment plan. You can also contact your energy supplier to help you sort out a payment plan that works for you. They must help you do this and you can get help from your local Citizens Advice if they don't. To cut your future bills you should make sure you're on the best deal you can get. Use a price comparison tool to check.

For further help working out your budget, negotiating with creditors or checking which benefits you’re entitled to, contact your nearest Citizens Advice by phone, online or face-to-face.

November 2018 advice column

Problems when buying from an online marketplace

'I bought a pair of trainers from a private seller on an online marketplace. The advert said they were Asics but when they arrived the branding said Basics. They are clearly not what was advertised, are terrible quality and not fit for purpose. Do I have any rights? What can I do?'

If you’re shopping online from an individual seller, the principle of “buyer beware” applies - which means you are purchasing subject to all defects, and the seller does not have to declare problems.

However, the seller must not misrepresent the goods, for example, by claiming they’re a certain popular brand when they are not.

Because your trainers are not as described in the advert, you may have grounds to ask for your money back.

First, try to fix the issue by contacting the seller to explain the problem, let them know your rights and that you would like your money back.

Should this get you nowhere, check to see if the online marketplace has its own protection and disputes resolution system.

Finally, if neither of these work for you, consider making a claim to the court, known as a small claim. There is guidance on how to do this on the Citizens Advice website at www.citizensadvice.org.uk.

Autumn advice column:

What to do if you're falling behind on your bills

I recently become a carer for my partner who I live with and can no longer work. We’ve started falling behind on our bills and I’m worried our debts are only going to get worse. I’m on Carer’s Allowance but what else can I do to turn things around?

A change in circumstances can often trigger financial problems. It’s good to see you taking action now as this will stop you from sliding into further debt.

See if you can make any savings on your household bills by switching suppliers, or changing deals. You may be able to get a reduction on your council tax bill - speak to your local authority directly.

Try to boost your income too. You may be able to apply for benefits jointly with your partner to be paid alongside Carers Allowance.

You should contact your creditors and ask if you can reduce your repayments until you’re back in work. They can also freeze any interest and charges so your debts don’t go up while you pay less. Check to see if you have payment protection insurance to cover giving up work to become a carer as well.

If you’re still struggling to cover your outgoings, it’s important to prioritise paying your household bills like your council tax and rent or mortgage.

For further help working out your budget, negotiating with creditors or checking which benefits you’re entitled to, contact your nearest Citizens Advice.

September 2018

Problem neighbours

A family has moved in to the house next door and is being a nuisance, yelling late at night over a loud television and leaving bin bags strewn over the front of the house. I don’t want to antagonise them in case they become threatening. What can I do?

It’s best to try to resolve problems by speaking with your neighbour, if it’s safe to do so. Explain the effect their behaviour is having and ask them to stop. If the problem continues, keep a record of incidents, which will come in handy if you decide to take the matter further.

A mediator may help you and your neighbour find a solution. If you’re a council or housing association tenant, they may have their own mediator you can use. If not, you’ll need to find one yourself and pay a fee.

Ask your neighbour’s landlord to speak to them on your behalf. If your neighbour lives in social housing, their landlord should have a policy for dealing with antisocial behaviour.

If the landlord can’t help, or you don’t know who it is, your council might be able to. Visit its website for information on the types of complaint it deals with.

If you’ve tried everything but the problem persists, ask for a Community Trigger. The council might work with the police and others to create an action plan. As a last resort, you can go to an ombudsman if you’re unhappy with how your council or social landlord has handled it.

If your neighbour becomes threatening or violent, you should tell the police.

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Autumn advice column:

What to do if you're falling behind on your bills

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