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• Cancelling an insurance policy

  Your right to cancel an insurance policy you have just bought or if your circumstances have changed

• 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

• Letter to switch energy supplier if you have a prepayment meter

  Use this template letter to complain if your energy supplier won't let you switch because you have a prepayment meter

• Letter to cancel a contract that's been breached

  Use this letter to cancel a contract if an essential part of it has not been fulfilled

• Letter to complain to a phone company about cashback

  Use this letter to complain to a phone company that hasn't given you the cashback they promised

• Letter to complain about a phone, TV or internet bill

  Letter to complain to the supplier about a problem with a bill for your phone, TV or internet service

• Stop getting junk mail

  Get help on how to reduce the amount of junk mail you get. There are some actions you can take to stop getting junk mail, follow these steps to reduce

• Paying for water and sewerage in Scotland

  An overview of how water and sewerage charges are collected through metered or non-metered supplies, or on a mobile home site

• Arrears of water and sewerage charges

  How a debt for arrears of public water and sewerage charges can be collected by a local authority