Money matters - cancelling contracts
If you cannot make decisions for yourself, this is called ‘lacking capacity’. This page explains what happens if you borrow money from a lender when you lack capacity. It also explains your rights to cancel unwanted items you buy, and what to do if you have borrowed money from a loan shark.
Work Capability Assessment (WCA)
You may find this page helpful if you are claiming Employment and Support Allowance (ESA) or Universal Credit (UC) with a limited capability for work element. The Department for Work and Pensions (DWP) use a test called the Work Capability Assessment (WCA) to decide if you can claim these benefits.
Universal Credit (UC) is a benefit for people aged between 18 and 65 years old. Some people aged 16-17 will also be able to claim. UC is replacing 6 benefits including income-related Employment & Support Allowance, income-based Job Seekers Allowance, Income Support, Tax Credits and Housing Benefit.
Debt - options when you are in debt
This section explains what you can do if you have debts that you cannot afford to pay. It gives an overview of the options that you may have, but you should speak to a specialist debt adviser first. The section includes details of organisations that can help.