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• Payday loans

  How payday loans work, including continuous payment authority, stopping payments, extending the loan and alternatives to payday loans

• Problems with services or traders

  Template letters for consumers if you have problems with services or traders. Get help writing a letter by using our templates if you're having problems.

• Post

  Consumer help for issues with post. Information about stopping junk mail, collection or delivery times, damaged post and dealing with issues with Royal Mail.

• Water

  Information about consumer issues relating to water. Get help paying for your water bill, interruptions to your supply and how you can complain.

• Young people and the law

  Find out about the age of criminal responsibility and the rights of young people in relation to the police and in criminal and civil proceedings

• Before you get work done on your home

  Steps to help you avoid disputes and problems with building work, home improvements, renovations and repairs

• Vets and pets

  Consumer advice about vets and pets. Get help and advice complaining about a vet or what to do if your pet gets ill or dies after buying them.

• Getting your money back if you paid by card or PayPal

  Check how to get a refund if you paid for something by credit card, debit card, charge card, or PayPal. Find out about 'Section 75' and 'chargeback

• Complaints about banks and building societies

  How to make a complaint about your bank or building society and the standard of service

• Help with legal costs

  Document covers sources of advice and help with legal costs from publicly funded and other legal help schemes in Scotland