Free Consumer law Templates

The Citizens Advice "No money to pay creditors" joint letter helps joint account holders inform creditors of financial hardship and request a temporary freeze on interest and charges. It is part of Citizens Advice’s widely trusted library of open, lawyer-vetted letter templates.

The Citizens Advice 'No money to pay creditors' letter is a template that helps individuals notify creditors of their inability to make payments due to financial hardship and request a temporary pause on collection actions. It is part of Citizens Advice’s widely trusted library of open, lawyer-vetted letter templates.

The Citizens Advice template letter to end a joint hire purchase or conditional sale agreement helps consumers formally terminate the agreement and clarify any outstanding liabilities. It is part of Citizens Advice’s widely trusted library of open, lawyer-vetted letter templates.

The Citizens Advice template letter to complain about a phone, TV, or internet bill helps consumers challenge incorrect charges and request a corrected statement. It is part of Citizens Advice’s widely trusted library of open, lawyer-vetted letter templates.

The Citizens Advice holding letter that asks creditors to hold off helps individuals inform creditors of financial difficulties and ask for a temporary freeze on interest and charges. It is part of Citizens Advice’s widely trusted library of open, lawyer-vetted letter templates.

The Citizens Advice template letter to complain about faulty goods bought on hire purchase helps consumers request a repair or replacement when a trader fails to provide goods that work as expected. It is part of Citizens Advice’s widely trusted library of open, lawyer-vetted letter templates.

The Citizens Advice template letter to make a claim for equal liability from a credit provider helps consumers request a remedy for a faulty item bought on credit, citing section 75 of the Consumer Credit Act 1974. It is part of Citizens Advice’s widely trusted library of open, lawyer-vetted letter templates.

The Citizens Advice template letter to switch energy supplier helps consumers with a prepayment meter respond to a supplier’s objection and assert their right to switch despite a small debt. It is part of Citizens Advice’s widely trusted library of open, lawyer-vetted letter templates.

The Citizens Advice template letter to cancel a service arranged online, by phone, or by mail order helps consumers terminate the contract under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013. It is part of Citizens Advice’s widely trusted library of open, lawyer-vetted letter templates.

The Citizens Advice template letter to make time of the essence for undelivered goods helps consumers enforce a strict delivery deadline and request cancellation and a full refund if the trader fails to comply. It is part of Citizens Advice’s widely trusted library of open, lawyer-vetted letter templates.