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For a director of a private limited company in the UK who is stepping down. The letter resigns with effect from a stated date, asks the company to notify Companies House within 14 days on form TM01 and update its records, and states that resigning as a director does not by itself end any job or shareholding. Under the model articles a resignation takes effect as it states once the company receives it. A company must keep at least one director who is an individual, so a sole director arranges a replacement first.

For anyone in England, Wales or Scotland with a workplace or personal pension who wants to know what it is worth, or has lost touch with the scheme after moving house or changing job. A letter to the scheme administrator or provider asking for a statement of your benefits under the pension disclosure regulations of 2013 — the value built up, any transfer value and the date you can take it — and updating your address. Posted first class. Find a lost scheme's contact details free with the Pension Tracing Service on GOV.UK.

For a borrower or customer who cannot keep up with a loan, credit card, overdraft or bill after a change such as job loss, illness or a cut in income. The letter explains what has changed, offers a monthly payment you can afford and asks the creditor to accept it, freeze interest and charges, and confirm in writing. FCA rules require lenders to treat customers in financial difficulty with forbearance. Free debt advice is also available from MoneyHelper, StepChange and Citizens Advice anywhere in the UK, from National Debtline in Great Britain, and from Advice Direct Scotland and Advice NI. Send it by email and by first class post.

For a private tenant in Northern Ireland who wants to move out of a periodic tenancy, including one that has rolled on after a fixed term. A tenant ends it by notice to quit in writing: at least four weeks if the tenancy has lasted ten years or less, twelve weeks if longer (Article 14A of the Private Tenancies (Northern Ireland) Order 2006). The notice gives your end date with a saving clause, can ask the landlord to agree an earlier date, asks for a check-out and the deposit, and gives your new address. Send it by recorded delivery, or hand it over.

For a private tenant in England who wants to move out. Since 1 May 2026 every private assured tenancy is periodic, and a tenant ends it by written notice to quit of at least two months, unless the landlord agrees in writing to a shorter period. The notice gives your end date, with a saving clause that moves it to the first valid date if needed, can ask the landlord to agree an earlier date, asks for a check-out and the return of your deposit, and gives your forwarding address. Send it first class with a free certificate of posting, and by email too.

For anyone in Northern Ireland with a workplace or personal pension who wants to know what it is worth, or has lost touch with the scheme after moving house or changing job. A letter to the scheme administrator or provider asking for a statement of your benefits under the Northern Ireland pension disclosure regulations of 2014 — the value built up, any transfer value and the date you can take it — and updating your address. Posted first class. Find a lost scheme's contact details free with the Pension Tracing Service on GOV.UK.

For the driver or keeper of a vehicle given a council penalty charge notice (PCN) for parking in Scotland — on a street, in a council car park, or for pavement or double parking — who thinks it is wrong and has not yet received a Notice to Owner (for pavement or double parking, an enforcement notice). The letter gives the notice's details, the reasons it should be cancelled and the evidence. The council's free online challenge form does the same job; this letter suits post or email. A bus lane or Low Emission Zone penalty sent by post is answered with formal representations instead. Not for private car park charges.

For the driver or keeper of a vehicle given a penalty charge notice (PCN) for parking in Northern Ireland — on the street by the Department for Infrastructure, or in a council car park — who thinks it is wrong and has not yet received a Notice to Owner. The letter gives the ticket’s details, the reasons it should be cancelled and the evidence, and asks for any reduced charge to be held open. The online challenge route printed on the ticket does the same job; this letter suits post or email. Not for private car park charges.

For a private landlord or letting agent in Scotland whose tenant has fallen behind with the rent. Before applying to the tribunal on the rent arrears ground, a landlord must meet the pre-action requirements: this letter gives the tenant clear information on the tenancy terms, the arrears period by period, the tenant’s rights in eviction proceedings and where to find free advice on money and debt, and invites them to agree a reasonable repayment plan by a set date. It never threatens to change the locks: only a tribunal order can end the tenancy. Send it by recorded delivery and keep a copy.

For a consumer in Northern Ireland whose complaint to a trader has got nowhere — a refund refused, a deposit kept, money owed for faulty goods or poor work. The letter sets out the claim and the amount, lists your documents, gives 14 days to pay or reply, and says that otherwise you will make a small claim in the county court, which hears claims of up to £5,000 and can be started online. Northern Ireland has no pre-action practice direction like England's, but the letter shows the court that you tried to settle first. Send it by email and by recorded delivery (Royal Mail Signed For).

For a consumer in Northern Ireland whose builder, decorator, garage, repairer or other service provider did the work badly or not as agreed. Under the Consumer Rights Act 2015 a trader must perform a service with reasonable care and skill; the letter asks for the work to be put right at the trader's cost or, where that is not possible, for a price reduction (sections 49, 55 and 56), and is your final letter before a small claim in the county court, with 14 days to reply. Send it by email and by recorded delivery (Royal Mail Signed For), with photos.

For a private tenant in Scotland whose home needs repairs — damp and mould, a broken boiler, leaks, faulty electrics. The tribunal’s Housing and Property Chamber publishes a free sample notification letter; this letter does the same job in full. It notifies your landlord in writing of each problem, with dated photos, reminds them that the home must meet the repairing standard throughout the tenancy, asks to arrange an inspection within 14 days and confirms you will keep paying the rent. Notifying the landlord is the step required before a free application to the First-tier Tribunal for Scotland. Send it by recorded delivery and keep a copy.

For a consumer in Scotland whose builder, decorator, garage, repairer or other service provider did the work badly or not as agreed. Under the Consumer Rights Act 2015, which applies across the UK, a trader must perform a service with reasonable care and skill; the letter asks for the work to be put right at the trader's cost or, where that is not possible, for a price reduction (sections 49, 55 and 56), and is a letter before action with 14 days to reply, then a claim in the sheriff court (simple procedure up to £5,000). Send it by email and by first class post, with photos.

For someone in Scotland who needs another person to act for them in one matter only — selling a car, signing a contract, dealing with a bank account or a property sale while they are abroad. The power names the matter, what the attorney may sign and when it ends, and is signed before one witness so that it is self-proving. Like every power that is not a registered continuing power, it has no effect while you are incapable (Adults with Incapacity (Scotland) Act 2000, s 18). If a letter of authority or the organisation’s own free form will do, use that first.

For a consumer whose builder, decorator, garage, repairer or other service provider did the work badly or not as agreed. Under the Consumer Rights Act 2015 a trader must perform a service with reasonable care and skill; the letter asks for the work to be put right at the trader's cost or, where that is not possible, for a price reduction (sections 49, 55 and 56), and is a letter before claim with 14 days to reply. Send it by email and by first class post, with photos.

For a parent in Wales who needs their child to miss school days in term time. A request to the head teacher under the Education (Pupil Registration) (Wales) Regulations 2010: it gives the dates and the day of return, explains the reason, and asks for a written decision before the leave starts. The school decides each request on its merits and may allow up to ten school days a year for a holiday; absence it does not authorise can lead to a £60 penalty notice from the council, £120 if paid after 28 days. Sent by email or handed in well in advance, in English or in Welsh.

For a consumer whose complaint to a trader has got nowhere — a refund refused, a deposit kept, money owed for faulty goods or poor work. This is the letter before claim the Practice Direction on Pre-Action Conduct expects before a court claim: it sets out the claim and the amount, lists your documents and gives 14 days to reply, and says you will otherwise claim in the County Court, through Money Claim Online. Send it by email and by first class post with a free certificate of posting, and keep a copy.

For a consumer who bought goods or a service online, by phone or away from the trader's premises and has changed their mind. The notice cancels the contract within the 14-day cancellation period of the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, with no reason needed, and asks for a refund within 14 days. The model cancellation form the trader must give you, or its own online form, does the same job free. Send it by email and by first class post with a free certificate of posting, and keep a copy.

For an employer in England, Wales or Scotland taking on an employee on a permanent contract: a contract that is also the written statement of employment particulars under section 1 of the Employment Rights Act 1996, which every employee and worker must have on or before their first day. It sets out the job, place of work, pay, hours, at least 5.6 weeks' holiday, sick pay, pension enrolment, notice and where the disciplinary and grievance rules are. Acas publishes free written-statement templates. Signed by both; each keeps a copy.

For an employer and an employee in England, Wales or Scotland: an agreement that the employee keeps the employer's confidential information secret during and after the employment, keeps it secure and returns it on leaving. It states plainly what it cannot stop — whistleblowing, reporting a crime, the disclosures a victim of crime may make, speaking about harassment, discrimination or pay — and contains no non-compete or other restriction after the job ends. Signed by both.

For the driver or keeper of a vehicle given a council penalty charge notice (PCN) for parking in England or Wales who thinks it is wrong and has not yet received a Notice to Owner. The letter gives the ticket's details, the reasons it should be cancelled and the evidence. Councils generally hold the 50% discount while they consider a challenge made within 14 days. The council's free online challenge form does the same job; this letter suits post or email. Not for private car park tickets or police fines.

For an employer and an employee in England, Wales or Scotland who agree that the employee will work partly or wholly from home: a signed variation of the contract setting out the pattern of days, the start date, equipment, any contribution to costs, workstation safety, data security, an optional trial period and how the arrangement can be reviewed or ended. Everything else in the contract stays the same. Signed by both; each keeps a copy.

For an employer in England, Wales or Scotland taking someone on for a set period — maternity cover, a season, a project: a contract with an end date that is also the written statement of particulars the law requires on or before the first day. It includes the protection of the Fixed-term Employees Regulations 2002, the four-year rule for successive contracts and early termination by notice. Each party should take advice before signing. Signed by both; each keeps a copy.

For a homeowner or tenant in Northern Ireland who lives in the home and wants a lodger to leave. The notice refers to your lodger agreement, gives the date it ends — at least four weeks ahead in writing (eight weeks once the lodger has lived with you for more than a year), or the longer period the agreement sets — asks for the room to be cleared and the keys returned, and says what happens to the deposit. Hand it over in person and keep a copy the lodger has signed. Not for a tenant who has the home or part of it to themselves: a landlord’s notice to quit is a different document.