Universal Credit is going to change the way around 8 million households receive benefits.

Many people are being asked to cope for the first time with claiming benefits online and budgeting with one monthly lump sum, including the money they need to pay their rent.

We’re are calling on the Government to allow people the choice of how they receive their benefits while they are given support to help them gain confidence and independence.

Every year thousands experience harassment from bailiffs.

For decades Citizens Advice have asked successive governments to take action but so far very little has happened. Meanwhile, we’ve seen a 38% rise in problems with private bailiffs over the last five years.

We’re calling for tighter regulation of the bailiff industry, for creditors to work with people in debt and to make sure people are aware of their rights regarding bailiffs.

Four million people are likely to take out a payday loan in the next six months. With this increase in use, the Citizens Advice service has seen a tenfold increase in the proportion of clients receiving casework help with multiple debts, which included a payday loan debt in the last four years.

To make sure payday lenders are acting fairly, we are asking everyone who has taken out a payday loan to take part in our national survey.

Find out whether your lender is sticking to the rules at citizensadvice.org.uk.

Over two million people in the UK do not currently have a bank account.

Basic bank accounts should be available to everyone who wants one, but they are particularly needed for people with poor credit ratings or on low incomes, so they can better manage their finances.

Our campaign is calling for banks to agree on how they will provide basic bank accounts, and the minimum standards the accounts will meet. This must include agreeing ID requirements and access to the LINK ATM network.

If you become sick or disabled and lose your job, you want to know that you will be supported.

Poorly designed rules make it difficult to determine who is fit for work and who isn’t. We are calling on the Government to make Employment and Support Allowance (ESA) fit for work. The Government is now deciding which companies will run the tests that determine people’s ability to work.

Without significant improvements we risk facing another five years of failure. Change is needed now to make sure the tests are fair, consistent and right first time.