Free Consumer Law Templates

Consumer law: 74 free templates to browse without an account, then edit with an AI agent and e-sign in GitLaw.

These documents address individual rights and business obligations regarding data privacy, refunds, and debt management. Templates include a Customer refund and return policy for retail goods and a Consumer complaint letter for faulty goods supplied during a service. This category excludes employment disputes and business-to-business supply contracts, which are found in Commercial Contracts.

  • 74 templates
  • Free to edit with AI
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FeaturedEngland & Wales
Offer to non-priority creditor - letter by Citizens Advice
This letter allows a debtor to propose a monthly repayment plan to a non-priority creditor when they cannot meet their existing financial obligations. It includes a request to freeze interest and charges and provides a space to enclose a financial statement to prove the offer is fair and proportionate.
Updated 13 Aug 2026
FeaturedEngland & Wales
Letter to cancel a credit agreement before it starts by Citizens Advice
This formal notice is for individuals who wish to withdraw from a finance agreement before it has been fully executed. It cites rights under the Consumer Credit Act 1974 to ensure the termination of the account and a full refund of any monies paid.
Updated 13 Aug 2026
FeaturedEngland & Wales
Ending a joint hire purchase or a conditional sale agreement - letter by Citizens Advice
This formal letter provides notice to a lender to terminate a joint hire purchase or conditional sale agreement. It cites specific rights under the Consumer Credit Act and requests instructions for returning the goods.
Updated 13 Aug 2026
FeaturedEngland & Wales
Letter to complain about a phone, TV or internet bill by Citizens Advice
This letter allows customers to formalize a complaint about incorrect phone, TV, or internet billing. It requests a revised bill and establishes a timeline for escalation to the telecommunications ombudsman after an 8-week period.
Updated 13 Aug 2026
FeaturedEngland & Wales
No money to pay creditors - letter by Citizens Advice
This letter informs a creditor that a debtor is currently unable to make monthly payments due to financial hardship. It includes a request to freeze interest and other charges while the debtor awaits the outcome of benefit claims or a change in circumstances.
Updated 13 Aug 2026
FeaturedEngland & Wales
Letter to make a claim for equal liability from a credit provider by Citizens Advice
This letter assists consumers in holding a credit provider liable for a breach of contract or misrepresentation by a retailer. It invokes Section 75 of the Consumer Credit Act 1974 to claim a refund or repair for goods costing between £100 and £30,000 paid for by credit card.
Updated 13 Aug 2026
FeaturedEngland & Wales
Letter to complain to a trader about poor quality work by Citizens Advice
This formal letter helps individuals complain to a trader or business about substandard workmanship or services that failed to meet the required quality. It allows the sender to specify the repairs needed and request a discount for inconvenience under the Consumer Rights Act 2015.
Updated 13 Aug 2026
FeaturedEngland & Wales
Letter to complain about non-delivery of goods by Citizens Advice
This formal letter notifies a seller that goods ordered under a specific reference number have not been delivered by the expected date. It asserts a breach of the Consumer Rights Act 2015 and requests immediate delivery or a full refund.
Updated 13 Aug 2026
FeaturedEngland & Wales
Letter to 'make time of the essence': services by Citizens Advice
This formal notice establishes a final deadline for a trader to complete delayed work. It warns that failure to finish within a specific number of days allows the sender to terminate the agreement and claim back advance payments.
Updated 13 Aug 2026
FeaturedEngland & Wales
Request to write off a joint debt - letter by Citizens Advice
This letter allows joint debtors to request that a creditor formally write off an outstanding debt due to severe financial hardship. It includes a standard explanation for long-term illness and requires an enclosed financial statement to prove that income and expenses leave no room for repayment.
Updated 13 Aug 2026

GitLaw provides templates and tools, not legal advice. Templates are a starting point, not a substitute for advice on your situation - for anything significant, speak to a qualified lawyer.