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• Reducing your regular outgoings

  Find out how to save on household, energy and water bills, your TV licence and travel costs

• 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

• Report a scam

  If you've been scammed, there are organisations you should report the scam to. Find out how to report a scam and what information to gather

• Telling delivery companies about your delivery or collection needs

  Check how you can set your accessibility needs for parcels delivered to your home, locker, shop or collection point

• Getting your money back if you paid by card or PayPal

  Check how to get a refund if you paid for something by credit card, debit card, charge card, or PayPal. Find out about 'Section 75' and 'chargeback

• Check how to switch your internet, phone or TV provider

  How to switch your landline, mobile phone, internet or TV provider to get a cheaper deal

• Get airline compensation for lost or delayed luggage

  What to do if an airline loses your luggage, or it’s delayed - claiming on your travel insurance and getting compensation from the airline