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• Letter to complain about energy back-billing

  Use this template letter to complain if your energy supplier is trying to bill you for energy you shouldn't have to pay for - back-billing complaint

• Letter to 'make time of the essence': goods

  Use this letter to give a trader a final deadline when they're taking too long to deliver goods to you

• Letter to 'make time of the essence': services

  Use this letter to give a trader a final deadline when they're taking too long to start or finish a job

• Problems with insurance policies

  Overview and content list for problems with insurance policies. Read our advice to help if you're having problems with your insurance policy

• Getting a water supply

  Applying for a new water supply from Scottish Water or from a private source

• Travelling in Europe

  Find out what you need to be aware of when travelling to Europe, including making sure your passport meets the requirements for travel

• Water leaks and pipes

  Find out who is responsible for maintaining and repairing water pipes in a property, and information about wasted water, cold weather problems and burst water mains

• Your energy supply

  Get advice if you're having problems with your gas or electricity supply