Search

• Ending a hire purchase or a conditional sale agreement - letter

  Letter to end a hire purchase or conditional sale agreement. You might need to do this if you can't afford the payments any more

• Ending a joint hire purchase or a conditional sale agreement - letter

  Letter to end a joint hire purchase or conditional sale agreement. You might need to do this if you can't afford the payments any more

• Taking action over credit brokers

  Explains how to get your money back from a credit broker, if they have taken payment from you without your permission

• Payday loans - making a complaint

  How to complain to a payday loan lender, the Financial Ombudsman Service or a trade association about a payday lender that has not followed the Good Practice Customer Charter and the Financial Conduct Authority (FCA) rules

• Complain about a premium rate phone charge or text message

  What to do if you want to make a complaint because a company didn’t make it clear that a phone or text number was premium rate

• Choosing a debt management plan provider

  How to find a debt management plan provider, covering whether a debt management company is licenced and belongs to a trade association and checking the contract is correct

• Complaining about an energy efficiency home improvement

  How to complain about problems with energy saving improvements to your home, like your solar panels, heat pump or new boiler

• Water shortages - restrictions to your supply

  When your water company can impose temporary hosepipe bans and drought orders during water shortages, for how long, and what your rights are when this happens

• Cold called by a debt management plan provider

  How to complain if you are cold-called by a debt management company - uninvited contact by phone, text, email or in person at your door

• The rules about making a court claim

  The Civil Procedure Rules and the Practice Direction on pre-action conduct are outlines. These must be followed if you take your consumer case to court.