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• If you’ve been told your energy supply will be disconnected

  What should happen before you're disconnected, circumstances in which you shouldn't be disconnected, the disconnection process, where to get more advice and support

• 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 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

• Getting paid when you leave a job

  Check if your final pay when you leave a job is right and what steps to take if it isn't

• An insurer approaches you to settle a claim

  What to think about before taking up an offer to settle a claim directly from another insurer

• 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

• Moving home and water bills

  What you should do when you are moving home, informing your water company and making sure you pay the right water bills

• Cancel something you bought on hire purchase

  Returning something you bought on hire purchase or conditional sale. How to cancel the agreement and what you’ll owe

• Changing to a water meter

  Your right to have a water meter installed and the pros and cons of switching to a meter and be charged for actual water usage compared to being charged based on the rateable value of the property