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• 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 about non-delivery of goods

  Use this letter to 'make time of the essence' when an item you've ordered hasn't been delivered

• Joint debts and belongings if your partner is bankrupt

  Explains what happens to any joint debts taken out with your partner, if they go bankrupt

• Rent and mortgage arrears - administration orders

  Lists the types of debts which can be included in an administration order, those that can't (and what to do about them), the limit on the amount of debt and whether to include joint debts

• Backdated water bills

  What is likely to happen if water companies pursue households for the payment of water bills if they have not been paid in the past for whatever reason and what you can do about

• What to do if you've been trafficked

  Your rights and how to get help if you are a victim of human trafficking or modern day slavery

• Check if you're working more than the 48-hour limit

  Check if you're working more than the legal limit of 48 hours a week. Find out what you can do if your employer is asking you to work over the limit.

• 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 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 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