If you would like any more information you may find the following internet links useful.
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Best buy loans and credit cards
Credit history / reference agencies
Latest house price data
Mortgage comparison sites
Getting help with your debt
Consumer Credit Counselling Service
The CCCS is a registered charity which aims to assist people who are in financial difficulty by providing free, independent, impartial and realistic advice.
The CCCS freephone helpline is open from 0800 BST to 2000 GMT Monday to Friday.
Tel: 0800 138 1111
Citizens Advice provides free, confidential, and independent advice from over 3,200 locations.
Advice is available face-to-face, by telephone, and sometimes by e-mail. Most bureaux offer home visits.
National Debtline is a national telephone helpline for people with debt problems in England, Scotland and Wales. The service is free, confidential and independent.
Helpline: 0808 808 4000
Cold weather payments
Winter fuel payments
An annual payment to help people aged 60 and over with the heating costs in winter.
Eligible people between 60 to 79 get either £125 or £250, depending on your circumstances in the qualifying week (15 to 21 September 2008).
If you are aged 80 or over and you are entitled to a Winter Fuel Payment, this year you will either £200 or £400, depending on your circumstances in the qualifying week.
Winter Fuel Payment Helpline - 08459 15 15 15 (0845 601 5613 for textphone users). Lines are open from 0830 - 1630 Monday to Friday.
HMRC Tax Credits helpline: 0845 300 3900