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Abbreviations
Abbreviation
Term in full
AA
attendance allowance
APR
annual percentage rate
CA
carer’s allowance
CONC
Consumer Credit Sourcebook
DAPA
Debt Advice Peer Assessment
DRO
debt relief order
CTC
child tax credit
DLA
disability living allowance
DVLA
Driver and Vehicle Licensing Agency
EEA
European Economic Area
ESA
employment and support allowance
EU
European Union
FCA
Financial Conduct Authority
GAP
guaranteed asset protection
HB
housing benefit
HMCTS
HM Courts and Tribunals Service
HMRC
HM Revenue and Customs
HP
hire purchase
IS
income support
IMA
Institute of Money Advisers
IVA
individual voluntary arrangement
JSA
jobseeker’s allowance
LGSCO
Local Government and Social Care Ombudsman
MA
maternity allowance
MaPS
Money and Pensions Service
MP
Member of Parliament
NHS
National Health Service
NI
national insurance
NISP
Networking and Information Sharing project
NUS
National Union of Students
NVQ
national vocational qualification
PAYE
Pay As You Earn
PC
pension credit
PGCE
Postgraduate Certificate in Education
PGDE
Postgraduate Diploma in Education
PIN
personal identification number
PIP
personal independence payment
RPI
Retail Price Index
SAP
statutory adoption pay
SDAS
Specialist Debt Advice Service
SMP
statutory maternity pay
SPBP
statutory parental bereavement pay
SPP
statutory paternity pay
SSP
statutory sick pay
SSPP
statutory shared parental pay
UC
universal credit
UCAS
Universities and Colleges Admissions Service
VAT
value added tax
WTC
working tax credit