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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

• Complaining about a vet

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

• 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 run by a church

• 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

• 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

• Request to write off a debt - letter

  Letter for when you can't make an offer of repayment and your circumstances are not going to improve

• 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 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