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• Disputing paying back a working or child tax credits overpayment

  Disputing paying back a working or child tax credits overpayment This advice applies to England. See advice for See advice for Northern Ireland, See advice for Scotland, See advice for Wales If HM Revenue and Customs (HMRC) have told you to pay back an overpayment, you can dispute having to...

• Paying back a working or child tax credits overpayment

  Paying back a working or child tax credits overpayment This advice applies to England. See advice for See advice for Northern Ireland, See advice for Scotland, See advice for Wales If you have a tax credits overpayment you must pay back, you should deal with it as soon as possible....

• Challenging a working or child tax credits decision - mandatory reconsideration

  Challenging a working or child tax credits decision - mandatory reconsideration This advice applies to England. See advice for See advice for Northern Ireland, See advice for Scotland, See advice for Wales You can tell HM Revenue and Customs (HMRC) if you think a decision about your tax credits is...

• Letter to complain about non-delivery of goods

  Letter to complain about non-delivery of goods This advice applies to England. See advice for See advice for Northern Ireland, See advice for Scotland, See advice for Wales Use this letter to 'make time of the essence' when an item you've ordered hasn't been delivered. View example letter Sam Hoolin...

• Letter to 'make time of the essence': goods

  Letter to 'make time of the essence': goods This advice applies to England. See advice for See advice for Northern Ireland, See advice for Scotland, See advice for Wales Use this letter to give a trader a final deadline when they're taking too long to deliver goods to you. You...

• Letter to say you received goods or services you didn't ask for

  Letter to say you received goods or services you didn't ask for This advice applies to England. See advice for See advice for Northern Ireland, See advice for Scotland, See advice for Wales Use this letter to write to a trader who has sent you goods or services you didn't...

• Letter to ask to be placed on list of unsecured creditors

  Letter to ask to be placed on list of unsecured creditors This advice applies to England. See advice for See advice for Northern Ireland, See advice for Scotland, See advice for Wales Use this letter if a trader has gone into administration or liquidation and you are owed money or...

• Letter to complain to a phone company about cashback

  Letter to complain to a phone company about cashback This advice applies to England. See advice for See advice for Northern Ireland, See advice for Scotland, See advice for Wales Use this letter to complain to a phone company that hasn't given you the cashback they promised. View example letter...

• Letter to cancel a credit agreement before it starts

  Letter to cancel a credit agreement before it starts This advice applies to England. See advice for See advice for Northern Ireland, See advice for Scotland, See advice for Wales Use this letter to let a creditor know that you want to withdraw from a credit agreement before it's executed....

• Letter to ask for a refund or alternative when a package holiday is changed

  Letter to ask for a refund or alternative when a package holiday is changed This advice applies to England. See advice for See advice for Northern Ireland, See advice for Scotland, See advice for Wales Use this letter if a package holiday you've booked has been changed and you want...