There are some actions you can take to stop getting junk mail. There’s no single organisation that you can register with - it’s best to do all the actions listed here. Put a sign on your door or letterbox Put a ‘no junk mail’ sign on your door to help stop junk mail. You can make a sign yourself - write “No commercial leaflets”. You can also write “No free newspapers” or “Yes free newspapers” depending on whether you still want to get free newspapers. It isn’t a good idea to rely on signs alone as some delivery people might ignore them. Contact Royal Mail You can tell Royal Mail to stop...

If you’re struggling to pay your bills or you owe money, there are things you can do. You might be able to get a cheaper deal or get help and support from your provider.  Check if you can get a cheaper deal You might be able to switch providers or move to a different contract to get a better deal.  If your provider has told you they’re increasing the price of your contract, you might be able to cancel - check how to cancel your contract. If you’re employed, check if your employer has a benefit package - you might be able to get cheap internet, mobile and TV deals. If you’re getting benefits You...

You might be able to save money by switching to: a new provider for your internet, mobile phone, landline or TV a bundle deal that's made up of 2 or more of these services There are different processes for switching your internet, phone or TV provider. Before you switch If you’re struggling to pay for your phone or internet, talk to your provider. Ask if they can offer you a cheaper deal. You can find their contact details on their website or on a letter from them. You could tell your provider you're thinking of switching to a cheaper deal with a different provider. Your provider...

You need to let your water company know when you're planning to move - and where to. Check your water company's website to find out how to do this. If you have a water meter, give your water company at least 5 working days notice so they can arrange a final meter reading. If you don’t give them enough notice you could be charged for water that's used after you move out. When you've moved If you've moved to an area with a different water company, let them know - check their website to find out how to do this. You can check which water company supplies your area on the Consumer Council for...

You either pay your water bill based on a fixed rate or on the actual amount of water you use, measured with a water meter. This page explains your right to have a meter installed and the pros and cons of switching to a meter. Your right to have a meter installed You have a right to be charged for your water on the basis of what you use. This means you have a right to have a meter installed free of charge, unless it's not practical or is unreasonably expensive to do this. Tenants also have the right to ask for a meter if their tenancy agreement is for six months or longer. If you're considering...

You either pay your water bill based on a fixed rate or on the basis of the amount of water you actually use, measured with a water meter. This page explains how you are charged if you don’t have a water meter and what you can do if you have a query about how much you're charged. Paying your water bill If you pay for water without a meter, the water company expects payment in advance. If you think your bill is wrong, you should contact  your water company. Before you do this, check: it's in your name, especially if you've just moved  and may be billed for water the last resident used it's...

If you're injured or your vehicle is damaged in a road accident and it's not your fault you may be approached directly by the other person's insurer to try and settle the claim with them directly. This is called third party capture or third party assistance. Insurers are legally allowed to do this. However, it's important to know that you don't have to settle the claim in this way, and that the other person's insurer won't be acting in your best interests. This page tells you what you should think about before taking up an offer to settle a claim directly from another insurer. If you need...

If you've taken out insurance and something happens, you might need to make a claim. This page tells you what you need to think about before you contact your insurer and also what to do if someone tries to make a claim against you. Making a claim If you need to make a claim contact your insurer as soon as possible and ask them to send you a claim form. They may be able to email this to you to speed things up. Complete the claim form carefully and keep a copy for yourself. The Association of British Insurers have more information on flooding and insurance, including what you can expect after...

If you’ve had a problem with a car repair or service, the best thing to do is negotiate with the garage to work out the best solution. If your negotiations don’t work, you can take further action to get your problem resolved. Always ask your garage what they can do to help before you spend any extra money on hire cars or travel. For example, they might be able to offer you a courtesy car. A court isn’t likely to award you money if the garage offers services that you didn’t take advantage of. It’s a good idea to keep a record and receipts of any extra money you have to pay for travel while...