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• Consumer template letters

  View our consumer template letters. We have a range of letter templates available for consumer issues, from faulty goods to credit agreements.

• Check you've been given the right sanction

  Find out what type of sanction you should get, how long it should be, where to get help with challenging a sanction and how to get more details

• Apply for SMI

  How to apply for support for mortgage interest (SMI) if you get benefits

• What to do if you've been sanctioned while on Universal Credit

  Check what you can do if you've been sanctioned on Universal Credit. Check how to challenge an unfair sanction and what you can do to avoid future issues.

• Check if a financial service has followed the rules

  Check what rules financial services need to follow, including banks, mortgage lenders and creditors, and how you can complain

• Challenging a Social Security Scotland benefit decision

  Find out how to challenge a benefit decision made by Social Security Scotland

• Get ready to fill in the work capability form for Universal Credit

  Find out what to do before you fill in the UC50 form, so you can give the information you need

• Your energy supplier has gone bust

  What happens if your gas or electricity supplier stops trading, and what you should do next

• 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

• Payday loans

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