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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.

• Pet gets ill or dies after buying

  If you recently bought a pet and it soon becomes ill or dies you may have a right to get a refund or replacement from the trader you bought it from

• 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

• Letter to complain about faulty goods bought on hire purchase

  Letter to the credit provider about a problem with goods bought on hire purchase

• Letter to cancel or return goods bought online, over the phone or by mail order

  Letter to cancel an online, phone or mail-order sale during the 14 day 'cooling off' period

• Letter to complain about faulty goods bought from a company

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

• Complain to the Energy Ombudsman

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

• If something you ordered hasn't arrived

  Check what to do if a parcel hasn't arrived and how to spot scam messages about it. Check your rights to a refund or another delivery and how to contact the seller

• Find an installer for energy efficiency home improvements

  Check how to find an experienced installer for energy-saving home improvements for things like solar panels and insulation