If you haven’t paid a debt you might be sent a letter from bailiffs (also called  ‘enforcement agents’) saying they will visit your home to collect payment.

Don’t ignore the letter - this is called a ‘notice of enforcement’. If you do the bailiffs can visit your home after 7 days. As well as collecting payment for the debt they can charge you fees so you could end up owing more money.

There are things you can do to stop them coming if you act quickly.

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Universal Credit is being introduced across the UK in stages. It will replace 6 ‘means-tested’ benefits - these are benefits you can get if your income and savings are below a certain level.

Whether you should apply for Universal Credit instead of one of these benefits, depends on where you live and your circumstances - check if you can apply.

Universal Credit works differently from other benefits - so if you’re moving from another benefit it’s important to know the differences.

The biggest differences are:

• you can get Universal Credit if you’re unemployed but also if you’re working
• you’ll get a single payment each month, rather than weekly or fortnightly
• instead of getting a separate housing benefit, your housing costs will be paid directly to you as part of your monthly Universal Credit payment

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