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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 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

• Letter to complain to a phone company about cashback

  Use this letter to complain to a phone company that hasn't given you the cashback they promised

• Letter to 'make time of the essence': goods

  Use this letter to give a trader a final deadline when they're taking too long to deliver goods to you

• Letter to ask to be placed on list of unsecured creditors

  Use this letter if a trader has gone into administration or liquidation and you are owed money or want a refund

• 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

• Problem with an app, software or download

  Your right to a refund or repair if there’s a fault with digital content like software, downloads and apps

• 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 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 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