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• If you were misled or pressured into buying something you didn’t want

  You have the legal right to a refund if you feel you were unfairly pressured or misled into buying a product or service

• Can you get bankruptcy cancelled?

  Find out when you can apply to have a bankruptcy cancelled (annulled) and how to do

• Cancelling a package holiday

  Your rights if you want to cancel a holiday. If a holiday company has changed a holiday you booked or put the price up

• Cancelling your debt management plan

  Reasons why you might want to cancel your debt management plan and things to consider before doing so, including how you will deal with your debts instead and whether you will get a refund of fees

• Stopping a future payment on your debit or credit card

  Information about your rights to stop a future credit or debit card payment, by phone, email or letter, and how to get your money back if money is taken from you account against your wishes

• Check how bankruptcy affects your job

  Your job might be affected if you apply for bankruptcy. Find out how bankruptcy affects your job and what work you can do after going bankrupt

• Reporting to Trading Standards

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

• Dispute a mobile, phone, internet or TV bill

  Challenge a bill if you’ve been charged too much for your phone, internet or TV. Your provider might have got your bill wrong or your bill could be high because of fraud