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• Complaining about a vet

  What to do if you have a complaint against your vet for negligence or misconduct

• Holding letter - ask creditors to hold off

  Letter to ask creditors to hold off for a short period while you work out your budget or get advice

• 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

• Ending a hire purchase or a conditional sale agreement - letter

  Letter to end a hire purchase or conditional sale agreement. You might need to do this if you can't afford the payments any more

• Ending a joint hire purchase or a conditional sale agreement - letter

  Letter to end a joint hire purchase or conditional sale agreement. You might need to do this if you can't afford the payments any more

• Letter to complain about a phone, TV or internet bill

  Letter to complain to the supplier about a problem with a bill for your phone, TV or internet service

• Letter to complain to the council if your landlord hasn’t done repairs

  Letter from a private rented tenant to the local authority about the landlord's failure to make repairs

• Letter to complain to a trader about poor quality work agreed before 1 October 2015

  Letter to ask a contractor to fix a problem with building work, decorating or home improvements - if you gave the go-ahead before 1 October 2015

• 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 say you received goods or services you didn't ask for

  Use this letter to write to a trader who has sent you goods or services you didn't order or ask for. These are sometimes called ‘unsolicited goods