This document is a template for an application to open a credit account. It collects personal, employment, and credit history information from an applicant. The form also includes an authorization for the financial institution to check the applicant's creditworthiness.

This document outlines the Cookie Policy for a website, explaining what cookies are, how they are used to enhance user experience and site functionality, and how users can control or disable them. It clarifies that disabling cookies may affect site performance and refers to the Privacy Policy for personal data management.

This document provides a clear refund policy, detailing the terms and conditions under which customers can return purchased products. It specifies the timeframe for returns and the required condition of items to be eligible for a full refund. This policy aims to ensure customer satisfaction with purchases.

The Citizens Advice template letter to complain about energy back-billing helps consumers request that Ofgem’s rules are applied when accurate bills have not been received. It is part of Citizens Advice’s widely trusted library of open, lawyer-vetted letter templates.

The Citizens Advice template letter to request a reduced weekly debt repayment rate with an energy supplier helps consumers negotiate a more affordable plan based on their personal circumstances. It is part of Citizens Advice’s widely trusted library of open, lawyer-vetted letter templates.

This template is a formal letter for a **consumer** to cancel an order for goods purchased online, over the phone, or by mail order. It references the Consumer Contracts Regulations 2013 and requests a full refund and arrangement for goods return or collection within 14 days.

The Citizens Advice template letter to complain about energy mis-selling helps consumers formally raise concerns when they believe they were misled about a contract. It is part of Citizens Advice’s widely trusted library of open, lawyer-vetted letter templates.

This template is a formal letter for consumers to complain about a service that has been delayed. It references the Consumer Rights Act 2015 and allows the sender to specify the agreed work, the delay encountered, and the desired remedy, setting a deadline for action.

The Citizens Advice template letter to complain to an energy supplier helps consumers raise issues such as missing bills and sets out their right to escalate to the energy ombudsman if the complaint is not resolved. It is part of Citizens Advice’s widely trusted library of open, lawyer-vetted letter templates.

This template is a holding letter for joint account holders who are experiencing financial difficulties and are unable to keep up with their monthly payments. It allows them to inform their creditor of their situation and request a temporary hold on action, as well as a freeze on interest and charges, while they assess their financial position.