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• 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

• Complain to the Energy Ombudsman

  When and how to complain to the Energy Ombudsman when you have a dispute with your energy supplier

• If your energy supplier has increased your direct debit payments

  Why your payments may go up, checking your payments are correct, agreeing new monthly payments

• If you’re struggling to pay your credit card

  Find out what to do if you are struggling to pay your credit card debt and how you can start to clear the debt you have.

• Challenge your redundancy

  Check if you have a good reason to challenge your redundancy. Find out how to negotiate with your employer, get mediation, and take legal action.

• How to get sick pay

  What to tell your employer and when you should tell them if you're off sick, how sick pay is paid and doctor's note

• Get a hardship payment if you've been sanctioned

  If you've been sanctioned, you might be able to get some emergency money to help you cover household expenses. This is called a hardship payment

• If a company stops trading or goes out of business

  Claim money owed to you when a trader goes out of business, including checking whether they’ve gone out of business

• Equality Advisory Support Service discrimination helpline

  Equality Advisory Support Service helpline offering advice to people who may have experienced discrimination

• Letter to cancel or return goods bought online, over the phone or by mail order

  Letter to cancel an online, phone or mail-order sale during the 14 day 'cooling off' period