AbbreviationsIntroductionForewordAbbreviations AAattendance allowanceAPRannual percentage rateCAcarer’s allowanceCONCConsumer Credit SourcebookDAPADebt Advice Peer AssessmentDROdebt relief orderCTCchild tax creditDLAdisability living allowanceDVLADriver and Vehicle Licensing AgencyEEAEuropean Economic AreaESAemployment and support allowanceEUEuropean UnionFCAFinancial Conduct AuthorityGAPguaranteed asset protectionHBhousing benefitHMCTSHM Courts & Tribunals ServiceHMRCHM Revenue & CustomsHPhire purchaseIBincapacity benefitISincome supportIMAInstitute of Money AdvisersIVAindividual voluntary arrangementJSAjobseeker’s allowanceLGSCOLocal Government and Social Care OmbudsmanMAmaternity allowanceMaPSMoney and Pensions ServiceMPMember of ParliamentNHSNational Health ServiceNInational insuranceNISPNetworking and Information Sharing projectNUSNational Union of StudentsNVQnational vocational qualificationPAYEPay As You EarnPCpension creditPGCEPostgraduate Certificate in EducationPGDEPostgraduate Diploma in EducationPINpersonal identification numberPIPpersonal independence paymentRPIRetail Price IndexSAPstatutory adoption paySDAsevere disablement allowanceSMPstatutory maternity paySPPstatutory paternity paySSPstatutory sick paySSPPstatutory shared parental payUCuniversal creditUCASUniversities and Colleges Admissions ServiceVATvalue added taxWTCworking tax credit