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• Harassment by creditors

  How creditors are supposed to behave when they are trying to recover their money, what kind of behaviour is not acceptable and how to tell if you are being harassed

• Reporting to Trading Standards

  Report a trader who has broken the law by contacting the Citizens Advice consumer service or Advice Direct Scotland

• Check if an IVA is right for you

  Check these steps to help you decide if an individual voluntary arrangement (IVA) is the best way to deal with your debt problems

• Before you get work done on your home

  Check how to comply with permissions and regulations, avoid building disputes and problems with home improvements, renovations and repairs

• 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 warn trader about court action for faulty goods

  Use this letter template to warn a trader that you're thinking of taking court action to sort out a problem with faulty goods

• Letter to complain to the council if your landlord hasn’t done repairs

  Letter from a private rented tenant to the local authority about the landlord's failure to make repairs

• What counts as disability discrimination

  Find out more about disability discrimination in employment, access to goods and services, education, public transport