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• Using alternative dispute resolution to solve a problem

  How alternative dispute resolution (ADR) may help solve a problem and descriptions of the main types of ADR schemes and how to use them

• Letter to get a loan fee refunded when the loan hasn't been received

  Use this letter to get a refund of a fee for a loan when the loan has not been given within 6 months

• If you need more help in the Channel Islands or the Isle of Man

  Reporting a consumer problem to Trading Standards in Guernsey, Jersey or the Isle of Man.

• Harassment by creditors

  How creditors are supposed to behave when they are trying to recover their money, what kind of behaviour is not acceptable and how to tell if you are being harassed

• Cancel something you bought on hire purchase

  Returning something you bought on hire purchase or conditional sale. How to cancel the agreement and what you’ll owe

• If something you ordered hasn't arrived

  Check what to do if a parcel hasn't arrived and how to spot scam messages about it. Check your rights to a refund or another delivery and how to contact the seller

• Cancelling a gym membership

  When you can cancel your gym membership without paying, what to say to the gym when asking to cancel, where to get more help if the gym's not responding

• If something is advertised at the wrong price

  Your rights and options if something is wrongly priced on a label, advertisement or listing

• Pet gets ill or dies after buying

  If you recently bought a pet and it soon becomes ill or dies you may have a right to get a refund or replacement from the trader you bought it from

• If you're unhappy about poor service

  What to do if you're unhappy with poor service, what your rights are, what to say to the trader, how to get your money back, how to take the complaint further