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

  Use this letter if a trader has gone into administration or liquidation and you are owed money or want a refund

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

  Use this letter to write to a trader who has sent you goods or services you didn't order or ask for. These are sometimes called ‘unsolicited goods

• Credit sale

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

• 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

• Letter to cancel a credit agreement before it starts

  Use this letter to let a creditor know that you want to withdraw from a credit agreement before it is executed

• Letter to complain about non-delivery of goods

  Use this letter to 'make time of the essence' when an item you've ordered hasn't been delivered

• Check if you can get more time to deal with your debts (Breathing Space)

  Check if the Breathing Space scheme could give you more time to decide what to do next about your debt

• Debt remedy tool

  An online debt remedy tool from the debt advice charity StepChange Debt Charity to help you work out your options if you are in debt