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• Letter to cancel goods or services bought at home or in a public place

  Letter to cancel a sale during your 14 day 'cooling off period' - for doorstep sales and sales at a home, workplace or public place

• Payday loans - making a complaint

  How to complain to a payday loan lender, the Financial Ombudsman Service or a trade association about a payday lender that has not followed the Good Practice Customer Charter and the Financial Conduct Authority (FCA) rules

• Taking action over credit brokers

  Explains how to get your money back from a credit broker, if they have taken payment from you without your permission

• Complain about a premium rate phone charge or text message

  What to do if you want to make a complaint because a company didn’t make it clear that a phone or text number was premium rate

• Complaints about water and sewerage services

  How to complain about water and sewerage services supplied either by Scottish Water or by a private contractor

• Find a trader and check you can trust them

  Finding a seller or tradesperson who will do a good job and treat you fairly

• Choosing a debt management plan provider

  How to find a debt management plan provider, covering whether a debt management company is licenced and belongs to a trade association and checking the contract is correct

• Cold called by a debt management plan provider

  How to complain if you are cold-called by a debt management company - uninvited contact by phone, text, email or in person at your door

• If you’re not happy with Royal Mail’s decision about compensation

  Check how to challenge Royal Mail’s decision about compensation for damaged, lost or delayed post

• Misled by a debt management plan provider

  How to complain about a debt management plan provider if they have misled you in their marketing, advertising or promotion, or made other misleading claims