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My Advice Gateway

My Advice Gateway is a free resource to help you quickly find the information you need to claim benefits, access help and support or look for a job or training opportunities. Other services include sections on banking, insurance and how to manage debt.

There is so much information available on the internet that it can often be a tedious and time consuming activity to search through the mass of advice that is available in order to find the information you need. Even government websites that have been set up to provide help can be difficult to find your way around.

My Advice Gateway has been built to help you find the information you need quickly and effectively. Links will take you to authoritative advice or the precise application form you need.

We hope you will find My Advice Gateway useful. If you do, why not tell your friends. . .


LHS provides a complete range of web-based housing option services to more than 60 local authorities and hundreds of housing associations across the UK.


My Advice Gateway constantly checks its links to other information sources to ensure they work properly.

However, if you do find a link that does not connect, please let us know so that we can fix it quickly.

Simply drop us an e-mail and tell us which link did not work. We will check it out and put it right.

E-mail: info@myadvicegateway.com




Chargeback is a little known scheme which gives you a chance of getting your money back from your bank if you purchase by credit card or debit card and something goes wrong with your order.

Under Section 75 of the Consumer Credit Act the credit provider is jointly liable with the retailer for anything you buy by credit card or credit agreement, provided the item costs between £100 and £30,000.

Chargebacks come into play when Section 75 does not apply:

  • Purchases made on debit or prepaid cards or chargecards
  • Purchases made on credit cards that are less than £100 or more than £30,000

You may be eligible for a Chargeback on an item or service if:

  • A purchase does not arrive
  • The company you buy from ceases trading
  • Goods or services are not as described or are in an unsatisfactory condition
  • You are charged more than agreed for a purchase or are charged more than once
  • Your card is used fraudulently

If you have been unable  to obtain a refund from the supplier you can ask your card provider to do a Chargeback and take the money back from the merchant.

Banks are NOT legally obliged to process a Chargeback request, but it’s a customer service guarantee that is honoured by Visa, Maestro and American Express.

Full details of how to claim a Chargeback together with template letters are available at the following links: