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• Holidays

  Template letters for consumers with holiday problems. If you've had problems with your holiday, use our template letters to complain or ask for a refund.

• Problems with delivery

  Template letters for consumers if you have problems with delivery. Use our template letters to write if you're having a problem with a delivery service.

• Faulty goods

  Consumer template letters for faulty goods. Use our template letters if you need to write about an issue with faulty goods to a supplier.

• 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.

• 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

• Water

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

• Help with legal costs

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