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• Reporting to Trading Standards

  Report a trader who has broken the law by contacting the Citizens Advice consumer service or Advice Direct Scotland

• You might have to go to court as a witness

  What to do if you've been told you might have to go to court as a victim or witness including information on who'll contact you about the trial

• Offer to non-priority creditor - joint letter

  Joint letter template to offer money to non-priority creditors. Use this letter when you have some money available and need assistance putting it in writing

• Letter to get a loan fee refunded when the loan hasn't been received

  Use this letter to get a refund of a fee for a loan when the loan has not been given within 6 months

• Other information

  Read about giving other information which does not fit anywhere else on the ESA form. You can use extra sheets of paper if there’s not enough space in the box

• Moving home and water bills

  What you should do when you are moving home, informing your water company and making sure you pay the right water bills

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

  Use this letter to ask for a refund or alternative if a package holiday you're going on has been changed

• Letter to claim damages for misrepresented goods or services

  Use this letter to get a refund or claim damages for goods or services which were misrepresented to you at the time of sale

• If you need more help in the Channel Islands or the Isle of Man

  Reporting a consumer problem to Trading Standards in Guernsey, Jersey or the Isle of Man

• Credit sale

  Information about what credit sale is, how it works and interest-free deals