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• If you were misled or pressured into buying something you didn’t want

  You have the legal right to a refund if you feel you were unfairly pressured or misled into buying a product or service

• If you get a letter saying you’ve broken a bankruptcy rule

  Find out what to do if you get a letter about a bankruptcy offence or a bankruptcy restrictions order

• Cancel something you bought on hire purchase

  Returning something you bought on hire purchase or conditional sale. How to cancel the agreement and what you’ll owe.

• Check if your employer can make changes to your contract

  Find out what you can do if you don’t agree with changes to working hours, pay rate, job role or other contract terms.

• 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

• Letter to ask for a refund or alternative when a package holiday is changed

  Use this letter to ask for a refund or alternative if a package holiday you're going on has been changed.

• Template letters to creditors

  Overview and content list for template letters to creditors. Use our list of template letters to find the one that's most appropriate for your needs

• No money to pay creditors - letter

  Letter for when you have no money available to offer to your non-priority creditors

• 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

• If your creditors are still contacting you

  Check what to do if creditors are still contacting you about debts covered by your individual voluntary arrangement (IVA