Search

• 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 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

• 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

• 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

• 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 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

• Creditors still chasing you after you go bankrupt

  After you go bankrupt, your creditors usually shouldn't contact you to ask you to pay your debt. There are some exceptions. Find out more