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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 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 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

• Get emotional support if you’ve been scammed

  Find out where you can get emotional or financial support if you've been scammed

• Work out your budget

  Use a budgeting tool to help you understand what you’re earning and spending and where you might be able to cut costs

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

  Use this letter to give a trader a final deadline when they're taking too long to start or finish a job

• 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 complain about energy mis-selling

  Use this template letter to complain if you've been pressured into signing an energy contract when you didn't want