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• Taking action over credit brokers

  Explains how to get your money back from a credit broker, if they have taken payment from you without your permission

• Buildings insurance

  What buildings insurance usually covers, how to choose a policy and how to make a claim

• Check your personal alarm will work after the landline switch off

  Check how the switch to digital landlines might affect your telecare and other alarms. Check what to do to avoid problems when you switch

• Cancelling a service you’ve arranged

  When you can cancel a service, how to get your money back, how to negotiate with the business

• Claim using a warranty or guarantee

  How to claim using a warranty or guarantee, when to use your legal rights instead reading the small print

• Your insurer refuses your claim

  Reasons why your insurer may refuse your insurance claim or will not pay out the full amount

• Dispute a mobile, phone, internet or TV bill

  Challenge a bill if you’ve been charged too much for your phone, internet or TV. Your provider might have got your bill wrong or your bill could be high because of fraud

• Accidents and illness when travelling independently

  What you should do if you’re an independent traveller and you fall ill or have an accident while you’re on holiday abroad