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• 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 a refund on an event ticket

  Find out when you what you can get when you ask for a refund on a ticket, if you can resell it and what to do if you don't get a refund

• If your employer refuses to pay you sick pay

  Check what to do if you're entitled to get sick pay but your employer won't pay you

• No money to pay creditors - joint letter

  Joint letter template for when you have no money available to offer to your non-priority creditors. This template is to be used for guidance

• Letter to cancel a contract that's been breached

  Use this letter to cancel a contract if an essential part of it has not been fulfilled

• 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

• Complaining to an ombudsman

  How to use an ombudsman to investigate a complaint about maladministration in public and private sector organisations

• Using a food bank

  How to get emergency food from a food bank. You can get a referral or look for a food bank that you don't need a referral for, such as ones ran by a church

• Cancelling an insurance policy

  Your right to cancel an insurance policy you have just bought or if your circumstances have changed

• Check if you’ve experienced a hate crime or hate incident

  Check what a hate crime or hate incident is, and how to know if what you’ve experienced counts as a hate crime or hate incident