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• Dividing up money and belongings when you separate

  If you and your partner separate, you need to decide how to divide your home and your pension. You also need to divide possessions and money in bank accounts

• Getting a visitor visa for family and friends

  Getting a visa for a friend or family member to visit you in the UK for less than 6 months

• 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

• Consumer template letters

  View our consumer template letters. We have a range of letter templates available for consumer issues, from faulty goods to credit agreements

• Challenging what the CMS says you should get

  Find out how to ask the CMS for a review or a variation, for example if your circumstances have changed

• Public sector equality duty - taking legal action

  Things to think about when taking legal action against a public authority for failing to meet the public sector equality duty, covering judicial review, time limits and remedies

• Problems with services or traders

  Template letters for consumers if you have problems with services or traders. Get help writing a letter by using our templates if you're having problems

• Reporting to Trading Standards

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