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• Paying off a credit agreement early

  Find out if your credit agreement is covered by the Consumer Credit Act 1974 and how to pay it off early.

• Letter to make a claim for equal liability from a credit provider

  Letter to credit provider claiming equal liability for goods or services bought on credit

• Cancelling a loan or credit agreement

  Find out if your credit agreement is covered by the Consumer Credit Act 1974 and your rights if you want to cancel it.

• Report fake or counterfeit goods

  You have the legal right to a refund if you’ve bought something that’s fake or counterfeit - how to claim, reporting traders

• Letter to complain about a delay to a service

  Letter to complain to a trader about delays in starting or finishing a service

• 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 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

• 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

• 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 service arranged online, over the phone or by mail order

  Letter to cancel a service you agreed or paid for online, over the phone or by mail order