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• 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 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

• Use our British Sign Language service to help you apply for Universal Credit

  You can use our British Sign Language (BSL) video service if you need help or advice with applying for Universal Credit and the early stages of your claim.

• 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

• If you have nowhere to stay tonight

  Check how to get somewhere to stay if you have nowhere to stay tonight. Check how to get into a night shelter, hostel or refuge

• 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 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

• If you need more help in the Channel Islands or the Isle of Man

  Reporting a consumer problem to Trading Standards in Guernsey, Jersey or the Isle of Man

• 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