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• 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

• 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

• Your payment card was used without your permission – distance sales

  What you can do if your payment card has been used for a distance sale purchase by internet, mail order, TV, phone or fax without your permission

• What to bring to a bureau

  Information and paperwork that you should take with you when you visit a Citizens Advice Bureau in Scotland to help the adviser deal with your case more efficiently.

• Home insurance for flooding

  Information on finding home insurance in flooding areas

• Your debt management plan provider has closed

  What you should do next if your debt management company closes down. Debt management providers sometimes go bust or have their licence taken away

• Getting a refund on an event ticket

  Find out when you what you can get when you ask for a refund on a ticket, if you can resell it and what to do if you don't get a refund

• Information your debt management plan provider must give you

  Explains what to do if a debt management plan provider has not given you all the information you are entitled to when choosing or signing up for a debt management plan