Citizens Advice

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Housing CIH 50 charity Combat Stress 50 Mortgage Intermediaries 50 A4e 50 Wiltshire Constabulary 50 Abbey Mortgages 50 GamCare 50 Elwa 50 Cipfa 50 Allerdale 50 BPPG 50 mform.co.uk 50 HM Revenue 50 NAO 50 Slough Borough Council 50 EuroDebt 50 solicitors 50 Usdaw 50 Stonewall Cymru 49 Norfolk Constabulary 49 NHS dentists 49 Health Protection Agency 49 Remploy 49 Landlord Assist 49 British Bankers Association 49 Malcolm Hurlston chairman 49 Individual Voluntary Arrangement 49 Hampshire Constabulary 49 Fair Trading OFT 49 foster carers 49 Northern Constabulary 49 British Insurers ABI 49 RNID 49 Netmums 49 Gwent Police 49 PCTs 49 Moneymadeclear 49 Catch# 49 TDX Group 49 Wychavon District Council 49 Barclaycard 49 Solicitors Regulation Authority 49 Nacro 49 Intermediary Mortgage Lenders 49 Camra 49 minister James Plaskitt 49 Birmingham Midshires 49 Roofie Foundation 49 RSM Tenon 49 Lucy McTernan 49 Greater Manchester 49 BWEA 49 Employment Tribunals 49 Property Federation BPF 49 Defra 49 Flintshire 49 think tank Civitas 49 RNLI 49 Breakthrough Breast Cancer 49 GP surgeries 49 SSPCA 49 regulator Ofgem 49 CancerBACUP 49 Relate 49 Employment Confederation REC 49 Association IMLA 49 mortgage repayments 49 ConstructionSkills 49 Derbyshire Constabulary 49 Tax Payers Alliance 49 Unison branch 49 Pensions DWP 49 NHS Primary Care 49 Gangmasters Licensing Authority 49 Macmillan Cancer Support 49 WLGA 49 CFDG 49 ntl Telewest Business 49 Barnardo Cymru 49 HM Treasury 49 Farepak Response Fund 49 Place2Be 49 Shoosmiths 49 Aged Age Concern 49 ISPCC 49 Countryside Alliance 49 Kirklees 49 Derbyshire Dales 49 FSA 49 Sedgemoor 49 NICVA 49 domiciliary care 49 NAEA 49 consumer watchdog Energywatch 49 Westcountry 49 BDO Stoy Hayward 49 ClearDebt 49 Firstplus 49 Allan Asher 49 Northumbria Police 49 Grampian Police 49 NHS Cumbria 49 Wear Valleys 49 substance misuse 49 chairman Malcolm Hurlston 49 rough sleepers 49 Grant Shapps 49 Cyrenians 49 Treating Customers Fairly 49 CSSIW 48 West Mercia Constabulary 48 PhonepayPlus 48 STUC 48 Alan Lakey 48 Empty Homes 48 bogus callers 48 Confused.com 48 Individual Voluntary Arrangements IVAs 48 GPs 48 DfT 48 NWAS 48 equalities 48 NSPCC Cymru Wales 48 watchdog Energywatch 48 Accuma 48 ASBOs 48 accountants BDO Stoy Hayward 48 Research IPPR 48 headteachers 48 CSCI 48 West Mercia 48 pubco 48 Moneyextra 48 Voluntary Organisations NCVO 48 Shapps 48 Powys LHB 48 lettings 48 Inverclyde 48 Scottish Widows 48 MGM Advantage 48 lovemoney.com 48 Simplyhealth 48 Residential Letting Agents ARLA 48 Acas 48 Oneplace 48 watchdog Ofgem 48 Wokingham Borough Council 48 JobCentres 48 Pensions Regulator TPR 48 Lib Dems 48 NHS Trusts 48 Cruse Bereavement Care 48 JobCentre 48 Lifesearch 48 Homestart 48 RSPB 48 FWAG 48 Acpos 48 Sure Start 48 Equalities Review 48 SocietyGuardian.co.uk 48 Mortgage Arrears 48 children charity Barnado 48 CIPR 48 CLIC Sargent 48 Switchover Help Scheme 48 Berwick Borough 48 Suffolk Constabulary 48 Estate Agents 48 Aldermore 48 Mrs Snelgrove 48 unpaid carers 48 FRSB 48 FSCP 48 Homeowner Mortgage 48 Pension Funds NAPF 48 PSYBT 48 NCH Cymru 48 Derwentside Homes 48 Barnados 48 LINk 48 Jenny Willott 48 Begbies Traynor 48 Jonathan Stearn 48 Rochdale Borough 48 OFGEM 48 Prompt Payment Code 48 MABS 48 Broadband Stakeholder Group 48 communications watchdog Ofcom 48 Cllr Bettison 48 Highways Agency 48 Jobseekers Allowance 48 Epilepsy Action 48 moneynet.co.uk 48 broker Charcol 48 Passenger Focus 48 Moneyextra.com 48 charity Alcohol Concern 48 monthly outgoings 48 EDCM 48 BAAF 48 Girlguiding UK 48 WRVS 48 RenewableUK 48 Llamau 48 Rhondda Cynon Taf 48 Parkinson Disease Society 48 Students NUS 48 repossession 48 ACPOS 48 PCSOs 48 Mform.co.uk 48 Antisocial Behaviour Orders 48 Broxbourne Council 48 SLDC 48 Martin Narey 48 voluntary arrangements IVAs 48 ODPM 48 helplines 48 Denbighshire 48 Connexions 48 charity 4Children 48 RSLs 48 Gloucestershire Constabulary 48 NHS dentist 48 Wyre Hospitals NHS 48 TfL 48 HM Revenue & 48 BVRLA 48 jobcentres 48 ICAS 47 Scamnesty campaign 47 Mid Beds 47 Jobcentres 47 stakeholder pensions 47 Halifax Estate Agents 47 Mind Cymru 47 Pensions Regulator 47 CreditExpert.co.uk 47 insurer LV = 47 Asda 47 Welwyn Hatfield 47 MoD 47 NHSLA 47 Dame Suzi Leather 47 Peter Vicary Smith 47 CityCare 47 Conwy 47 Circle Anglia 47 Fife Constabulary 47 Durham Constabulary 47 Sir Derek Wanless 47 SmartNewHomes.com 47 Wulvern 47 Lothians 47 claiming jobseekers allowance 47 Primary Care Trust 47 Dickinson Dees 47 GPs surgeries 47 Counter Fraud 47 communications regulator Ofcom 47 One NorthEast 47 YJB 47 Equalities 47 Lanarkshire Council 47 FirstStop 47 MP Mark Lazarowicz 47 Npower 47 Pensions Ombudsman 47 Patient Advice 47 Francis Ghiloni 47 Taxation CIOT 47 Halton Borough Council 47 Research ippr 47 Havebury 47 British Retail Consortium 47 Mortgage Intermediaries AMI 47 Invicta Telecare 47 CAB 47 Keith Tondeur 47 Hertsmere 47 FUW 47 Jobcentre 47 Mr Sheerman 47 Kirklees Council 47 WaterVoice 47 NAPF 47 sickness absence 47 remortgaging 47 Castle Morpeth 47 Forres Gazette 47 Tayside Police 47 Defaqto 47 Children charity Barnardo 47 RCGP 47 BBPA 47 Wyre Borough Council 47 Unison 47 Contour Homes 47 Debtmatters 47 Stuart Etherington 47 MoneyFacts 47 claiming Jobseekers Allowance 47 CHL Mortgages 47 nfpSynergy 47 Barnardos 47 MP Grant Shapps 47 Chris Grayling 47 carer 47 HFEA 47 CIEH 47 CLG 47 NACFB 47 Dyfed Powys 47 NHS Fife 47 NFUS 47 fly tipping 47 www.direct.gov.uk 47 DEFRA 47 Robert Tapsfield 47 Directors IoD 47 YHN 47 Mr Burstow 47 NHS Counter 47 Calderdale Council 47 Ascham Homes 47 Cumbria 47 kerbside collections 47 USwitch 47 lender Cattles 47 Andrew Hagger 47 Crown Prosecution Service 47 ALMOs 47 NSPCC helpline 47 Mr Alambritis 47 Blaenau Gwent 47 CIOT 47 mform 47 Suzy Lamplugh Trust 47 shopworkers union Usdaw 47 Breckland Council 47 SCDEA 47 Alcohol Concern Cymru 47 CAMHS 47 PDSA 47 Equal Opportunities Commission 47 Tamworth Borough 47 Mr Ruffley 47 Repossessions 47 quango 47 Kwik Fit Insurance 47 NIACE 47 CAMRA 47 Francis Maude 47 Attendance Allowance 47 Gamcare 47 Fiona Pilkington 47 Mortgageforce 47 DIUS 47 Liz Baxendine 47 Hyndburn 47 Highclere Financial 47 Graham Badman 47 Cheltenham Borough 47 Powys 47 Briault 47 VOSA 47 Northern Rock 47 Computeractive 47 DoH 47 direct debits 47 Tenancy Deposit Scheme 47 RPSGB 47 haart 47 Mr Hain 47 tackling antisocial behavior 47 Primary Care Trusts PCTs 46 mis selling 46 Thinc Group 46 ProHelp 46 Swinton Bikes 46 Anne Longfield 46 JSA claimants 46 LGiU 46 Tenovus 46 Strathclyde Police 46 LSL Property Services 46 Road Haulage Association 46 NO2ID 46 Sexual Assault Referral 46 CIPD 46 LibDems 46 care trusts PCTs 46 IVA 46 COSLA 46 Government Equalities 46 SSAFA Forces Help 46 Mrs Spelman 46 charity ChildLine 46 Lloyds TSB Corporate 46 Trust PCT 46 MoneySupermarket.com 46 NHS dentistry 46 Spareroom.co.uk 46 Rics 46 Nationalist MSP 46 Papworth Trust 46 FoI Act 46 Paragon Mortgages 46 Broadland District 46 CCJs 46 Stephen Bubb 46 Nici Audhlam Gardiner 46 remortgages 46 £ 2billion 46 Thames Valley 46 Rowanmoor Pensions 46 Children Hospices 46 DWP 46 Police Officers ACPO 46 Cambridgeshire Constabulary 46 kerbside recycling 46 DGHP 46 Hefce 46 RateCity 46 RAC Foundation 46 CWDC 46 HIPs 46 Broomleigh 46 LGPS 46 Yvonne Hossack 46 Capacitybuilders 46 Gift Aid 46 Gocompare.com 46 Joanna Elson 46 Mumsnet 46 UKBA 46 Oftel 46 WYMAS 46 SimplyBiz 46 Craegmoor 46 Jobseeker Allowance 46 Tenant Participation Advisory 46 NHS Choices 46 DVLA 46 Nightstop 46 West Midlands 46 asbos 46 Home Builders Federation HBF 46 Cambridgeshire 46 AHIPP 46 Hidden Harm 46 Liberal Democrats 46 Mervyn Kohler 46 Lord Falconer 46 Lesley Titcomb 46 Cumbria Constabulary 46 Cancerbackup 46 CCWater 46 CYFS 46 Cambridgeshire Primary Care 46 Safer Roads Partnership 46 Mole Valley 46 VisitEngland 46 No2ID 46 TUC 46 Homebuy Direct 46 Bracknell Forest Council 46 Dame Suzi 46 APSCo 46 UnLtd 46 Pennine Acute 46 Stephen Alambritis 46 VisitBritain 46 Tim Loughton 46 BASW 46 Neighbourhood Watch scheme 46 ONS 46 AbilityNet 46 unauthorized overdraft charges 46 Antisocial Behaviour 46 BDHT 46 UUK 46 Lothian Buses 46 Ipsos Mori 46 concessionary fares scheme 46 DAAT 46 Hounslow Homes 46 Residential Lettings Agents 46 NFU Scotland 46 OFCOM 46 subpostmasters 46 Her Majesty Inspectorate 46 Neighbourhood Watch schemes 46 Punter Southall 46 Steve Bundred 46 Forced Marriage Unit 46 Welwyn Hatfield MP 46 Sustrans 46 Job Seekers Allowance 46 Carbon Reduction Commitment 46 LawWorks 46 Imelda Redmond 46 Carmarthenshire NHS 46 Lib Dem 46 Lord Filkin 46 Sedgemoor District Council 46 Voluntary Sector 46 cahoot 46 Scottish Borders 46 Moneyexpert.com 46 Missing Persons Helpline 46 St Leger Homes 46 Ipsos MORI 46 telecare 46 Beatbullying 46 Payment Clearing Services 46 MyVoucherCodes.co.uk 46 East Dunbartonshire 46 Eyecare Trust 46 Susan Seenan 46 NHS Forth 46 Peter Cardy 46 Derek Wanless 46 InBiz 46 Babergh 46 Frank Soodeen 46 Mr MacAskill 46 Policing Pledge 46 FirstRungNow.com 46 Fool.co.uk 45 Haart 45 NHS Kirklees 45 HBOS 45 kinship carers 45 unauthorized overdrafts 45 Sub Postmasters 45 Carmarthenshire 45 Antoinette McKeown 45 Norah Gibbons 45 Paymentshield 45 Bacs 45 Brabners Chaffe Street 45 Credit Regulator 45 Regulatory Reform BERR 45 Carers Week 45 edeus 45 Hertsmere Borough Council 45 advisers IFAs 45 Warrington Borough 45 Legal Advice 45 accountancy firm 45 YouthNet 45 kerbside collection 45 tank Demos 45 Appoġġ 45 Esther Rantzen 45 Childminding 45 DETI 45 Liberal Democrat 45 Unlock Democracy 45 Nigel Peaple 45 Craegmoor Healthcare 45 Uttlesford 45 Suffolk Coastal 45 CABE Space 45 Northumbrian Water 45 Commerce BCC 45 Co operative Funeralcare 45 Louise Cuming 45 moneysavingexpert.com 45 watchdog Postwatch 45 sicknote culture 45 Residential Letting Agents Arla 45 ICAEW 45 minister Rosie Winterton 45 worklessness 45 HSENI 45 Futurebuilders 45 Greener Leith 45 Niace 45 AA Motoring Trust 45 Wetherspoon 45 BMA GPs Committee 45 Mid Staffs 45 Torridge District 45 CABs 45 Richmondshire 45 Stuart Bernau Nationwide 45 Job Seeker Allowance 45 National Pandemic Flu 45 Wirral 45 Copeland Borough 45 eaga 45 Co operative Travel 45 incapacity benefit 45 Neighbourhood Policing Team 45 Farepak 45 Ryedale 45 retail union Usdaw 45 Scams Awareness Month 45 Mr Clappison 45 Racial Equality CRE 45 swiftcover.com 45 Moray 45 Clare Tickell chief 45 Nominet 45 Anglicare Victoria 45 HEFCE 45 Macular Disease Society 45 Hospiscare 45 DrugScope 45 Mr Lansley 45 BDO LLP 45 NCEPOD 45 Mr Coaker 45 Hyndburn Homes 45 Coastguard Agency 45 homeworkers 45 Amyas Morse head 45 ATVOD 45 Sefton PCT 45 LBRO 45 Advisory Conciliation 45 phoneline 45 NASUWT 45 Humberside Fire 45 Herefordshire 45 Farepak fiasco 45 Development CIPD 45 Ryedale District 45 Invocas 45 childminding 45 Torquil Clark 45 Ms Winterton 45 Moneyexpert 45 Zoopla 45 Morrisons 45 Santander Mortgages 45 lender GMAC RFC 45 CRUK 45 Syscap 45 yob culture 45 Strathclyde Passenger Transport 45 Mr Farron 45 Homeworking 45 Skills DfES 45 Tandridge 45 Pensioners Convention 45 Arthritis Care 45 NFU Cymru 45 Medicash 45 Lord Laming 45 Cumbria Primary Care 45 Ben Summerskill 45 St Mungo 45 UKSA 45 Tayside 45 Trethowans 45 Johann Lamont 45 Richard Capie 45 Ecpat UK 45 ASDA 45 Fiscal Studies 45 Energy regulator Ofgem 45 homeworking 45 Charlotte Linacre 45 Rochdale Boroughwide Housing 45 OAPs 45 Dr Ros Altmann 45 HomeBuy scheme 45 PayPoint 45 David Dooks 45 FoE 45 RoSPA 45 housebuilders 45 Mr Plaskitt 45 RHASS 45 Ward Hadaway 45 Lord Victor Adebowale 45 Teignbridge 45 Letting Agents 45 Taunton Deane Council 45 Humberside 45 Citizens Advice Bureaus 45 charity Brake 45 Wandsworth 45 OFWAT 45 Rossendale 45 Environment Agency 45 Mr Cawsey 45 Cherwell District 45 Scamnesty 45 housebuyers 45 Stephen Haddrill 45 HM Courts 45 Identity Fraud Prevention 45 Cardif Pinnacle 45 Joan Ruddock 45 Headteachers 45 EducationGuardian.co.uk 45 Worcestershire Hub 45 Hertfordshire 45 Met Office 45 tenancy deposit 45 LloydsTSB 45 Claire Rayner 45 Australia MFAA 45 NewVoiceMedia 45 workless households 45 Castle Morpeth Council 45 Anglicare 45 Laidlaw Dickson 45 Tees Valley 45 Ofwat 45 Chartered Surveyors Rics 45 Estyn 45 Djanogly 45 DirectGov website 45 Wright Hassall 45 Baigrie Davies 45 Woking Borough Council 45 Alambritis 45 Tameside 45 Chartered Institute 45 Volunteers CSV 45 Ty Hafan 45 Scottish Renewables 45 rehoming 45 Youth Offending Service 45 association Apacs 45 Adam Scorer 45 Prushka 45 CQC 45 Nicholas Leeming 45 Delyth 45 Midcounties 45 Gwynedd 45 Becta 45 NHPAU 45 Archie Stoddart 45 Dental Helpline 45 Eastbourne Borough Council 45 charity SANE 45 Elspeth Atkinson 45 Milecastle Housing 45 Horsewatch 45 Age Concern Wiltshire 45 union UNISON 44 Wrexham Maelor Hospital 44 arrangement IVA 44 boiler scrappage scheme 44 FoI requests 44 Anne Owers 44 Alzheimer Society

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