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• Letter to get a loan fee refunded when the loan hasn't been received

  Use this letter to get a refund of a fee for a loan when the loan has not been given within 6 months

• Letter to ask for a refund or alternative when a package holiday is changed

  Use this letter to ask for a refund or alternative if a package holiday you're going on has been changed

• Letter to claim damages for misrepresented goods or services

  Use this letter to get a refund or claim damages for goods or services which were misrepresented to you at the time of sale

• 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

• Complain to the Energy Ombudsman

  When and how to complain to the Energy Ombudsman when you have a dispute with your energy supplier

• Letter to complain about faulty goods bought from a company

  Letter to complain about faulty goods and ask for a repair, replacement or refund

• Letter to complain to a trader about poor quality work

  Letter to ask a contractor to fix a problem with building work, decorating or home improvements

• Work out your budget

  Use a budgeting tool to help you understand what you’re earning and spending and where you might be able to cut costs

• Letter to cancel goods or services bought at home or in a public place

  Letter to cancel a sale during your 14 day 'cooling off period' - for doorstep sales and sales at a home, workplace or public place

• Get help with a housing discrimination problem

  Where to get help if you're being discriminated against by your landlord, a letting agent or someone else involved in your housing