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• Problems with goods - letter before court action

  Letter to send as a last attempt to ask a trader to sort out a problem before you take court action

• Help with the cost of transport if you're disabled

  Find out if you're eligible for help with the cost of transport if you're disabled, for example free bus passes and railcards, and how to apply

• Complain about an insolvency practitioner

  Find out the steps to complain about the insolvency practitioner dealing with your individual voluntary arrangement (IVA

• If you're unhappy about poor service

  What to do if you're unhappy with poor service, what your rights are, what to say to the trader, how to get your money back, how to take the complaint further

• Reporting to Trading Standards

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

• Dealing with mortgage arrears

  What happens if you miss a mortgage payment, including how to agree a repayment plan with your lender so you can pay your mortgage in smaller amounts

• Find an installer for energy efficiency home improvements

  Check how to find an experienced installer for energy-saving home improvements for things like solar panels and insulation

• Avoiding creditors making you bankrupt

  Lists actions you can take to avoid being made bankrupt by someone you owe money

• 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

• Debt relief order application refused

  Reasons why your debt relief order application might be refused and what you can do if you think the refusal is unfair or wrong