Scotland: templates and forms

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 a customer with a complaint about a bank, building society, credit card company, lender, pension or investment firm — a charge, a refused or wrong payment, poor service, a mistake or a mis-sold product. The letter is the formal complaint the FCA's rules require the firm to answer: within 15 business days for most payment-services complaints, and within eight weeks otherwise. After its final response, or once the time has passed, you can take it free to the Financial Ombudsman Service within six months.

For a borrower who was given a loan, credit card, overdraft limit, car finance or catalogue credit they could not repay without hardship. FCA rules require a lender to check creditworthiness and affordability before lending or raising a limit (CONC 5). The letter complains that the checks were not proportionate, sets out your finances at the time, and asks for interest and charges to be refunded and your credit file corrected. The lender has eight weeks; then the Financial Ombudsman Service is free.

For a customer who has cancelled a Direct Debit or standing order with their bank — usually in online banking, free and at once — and needs to tell the company it paid. Cancelling the payment does not end a contract or a debt, so the letter states your position: the contract has ended, you will pay another way, or you dispute the charges. Under the Direct Debit Guarantee, your bank refunds at once any payment taken in error. Send it by email and by first class post.

For a pregnant employee in England, Wales or Scotland: the written notice of your pregnancy, the expected week of childbirth, the date you want your maternity leave to start and the date for Statutory Maternity Pay, given by the end of the 15th week before the expected week, with your MAT B1 certificate enclosed or to follow. It asks your employer to confirm in writing, within 28 days, when your leave ends and what you will be paid. GOV.UK explains maternity pay and leave free. Hand it in and email it.

For the registered keeper of a vehicle in Great Britain who has received a notice under section 172 of the Road Traffic Act 1988 asking who was driving, usually with a speeding or red-light notice of intended prosecution. Fill in the police form sent with the notice, then send it with this letter, which names you or another driver, names the keeper if you had sold the vehicle, or explains what you did to find out. Reply within 28 days: failing to name the driver is an offence carrying six penalty points and a fine.

For an employee in England, Wales or Scotland made redundant after at least two years' continuous employment whose redundancy pay has not been paid: the written claim to the employer that section 164 of the Employment Rights Act 1996 asks for within six months, giving the dates, your figure if you have one, 14 days to pay and a request for the written calculation, then naming Acas early conciliation and the tribunal. GOV.UK's redundancy pay calculator is free. Sent first class and by email.

For an employee in England, Wales or Scotland with parental responsibility (in Scotland, parental responsibilities) for a child under 18: a notice taking unpaid parental leave, giving the child, the dates and the number of weeks. The default rules allow 18 weeks for each child, up to four weeks a year, in whole weeks, with at least 21 days' notice; since 6 April 2026 the right starts on your first day. The employer can postpone the leave for up to six months, but not refuse it. Hand it in and email it.

For a policyholder in the UK unhappy with how a car insurer has handled a claim: a delay, a low offer, a refusal or a write-off valuation. The letter sets out the complaint and what you want, and reminds the insurer that under the Financial Conduct Authority's rules it has eight weeks to send a final response. If you are still unhappy, or eight weeks pass, you can take the complaint free to the Financial Ombudsman Service within six months of the final response. Send it by email and keep a copy.

For an employee in England, Wales or Scotland who looks after a family member or someone who relies on them with a long-term care need: a notice taking carer's leave under the Carer's Leave Act 2023 — up to one week in any 12 months, from your first day in the job, in half days, days or a whole week. It gives the dates and who the care is for, by relationship only. The employer may postpone, but not refuse, the leave, and cannot require evidence. The law does not insist on writing, but a written notice is your proof. Hand it in and email it, keeping a copy.

For an employee in England, Wales or Scotland who is leaving their job: a letter that resigns, states the notice your contract requires (at least one week once you have worked a month, section 86 of the Employment Rights Act 1996) and the last day of employment, and asks for written confirmation, final pay including holiday earned and not taken, and your P45. Hand it to your manager and send it by email the same day, keeping a copy.

For a taxpayer anywhere in the UK with a penalty or decision from HM Revenue and Customs on income tax, Capital Gains Tax or Corporation Tax that they think is wrong — a late filing or late payment penalty with a reasonable excuse, a Making Tax Digital penalty, another decision: a written appeal to HMRC within 30 days of the date of the notice, giving your grounds and asking for a review or the tribunal route. For Self Assessment penalties, HMRC's online service and form SA370 are free and do the same. For VAT, the decision letter gives a different route. Sent first class.

For an employee in England, Wales or Scotland who is the child's father, or the mother's spouse, civil partner or partner: a notice of paternity leave — one week, two weeks together or two separate weeks, within a year of the birth — giving the expected week of childbirth, the dates and the declaration that you will share responsibility for the child's upbringing. Since 6 April 2026 the leave is a right from your first day; the pay still needs 26 weeks' service. Hand it in and email it.

For the registered keeper of a car in the UK who lends it to someone, most often for a trip abroad, where officials may ask a driver who is not the keeper for proof of the keeper's permission. The letter names the keeper, the driver, the vehicle, the dates and any countries, and says which insurance covers the driver. It gives permission only: insurance, not a letter, decides who may drive. A hired or leased vehicle needs the company's vehicle on hire certificate (VE103) instead.

For a worker in England, Wales or Scotland who wants to book paid holiday: a dated written request giving the first and last day and the number of working days, asking for written approval. Unless your contract or holiday rules say otherwise, the Working Time Regulations 1998 ask for notice of twice the length of the leave, and let the employer refuse only by counter-notice as long as the leave. Acas explains the rules free. Send it by email or hand it in, keeping a copy.

For an employee in England, Wales or Scotland who has been dismissed, warned or demoted after a disciplinary process: a letter appealing within your employer's time limit, setting out your grounds and what you ask for, and requesting an appeal hearing before a manager not involved in the decision, with a companion, as the Acas Code expects. If you have been dismissed, it asks for the reasons in writing. Hand it in and email it.

For a taxpayer in the UK who cannot pay a tax bill in full on time: a letter to HM Revenue and Customs asking for a Time to Pay arrangement, saying what is owed, why you cannot pay it all now, the monthly amount you propose and your income and outgoings. HMRC's free online service takes a Self Assessment debt of £30,000 or less within 60 days of the due date (HMRC's own limits on 28 October 2026, not law); otherwise HMRC deals with it by phone, and this letter sets out your proposal in writing. Sent first class.

For a worker in England, Wales or Scotland whose employer, or former employer, has not given them their papers: one letter asking for any of missing payslips (section 8 of the Employment Rights Act 1996), a P60 for a tax year, the P45 after leaving, and the written statement of employment particulars (section 1). Fill in only the lines you need; the others drop out. It gives 14 days and names the next steps: a tribunal reference, and telling HMRC. Sent first class and by email.

For anyone who wants a relative, friend or carer to speak to their bank, energy or phone company, council or landlord for them: a signed letter naming the person, the accounts or matter, and whether they may only discuss it and receive information or also give instructions. It lets the organisation share your personal data with them, and you can withdraw it at any time. Many organisations have their own free form; use that if they ask.

For a worker in England, Wales or Scotland with a problem at work that talking has not solved — treatment by a manager or colleague, workload, pay, bullying, a change imposed without agreement: a formal written grievance under the Acas Code of Practice, saying what happened and what you want, asking for a meeting without unreasonable delay and to bring a colleague or union representative. Acas's Code and guidance are free. Hand it in and email it.

For a worker in England, Wales or Scotland with a disability or long-term health condition who needs changes at work — equipment, hours, duties, the workplace, how meetings are run: a letter asking the employer to make reasonable adjustments under section 20 of the Equality Act 2010, describing the difficulty at work (not a diagnosis) and the changes asked for, and offering a meeting or an occupational health referral. Access to Work, a free government scheme, can also help. Hand it in and email it. Sold blank, to complete by hand, as it holds health data DocMuse does not collect.

For an employee in England, Wales or Scotland who wants to change their hours, days or place of work — part-time, compressed hours, home or hybrid working: a dated, written statutory request under section 80F of the Employment Rights Act 1996, giving your present pattern, the change and when it should start, and saying whether you made another request in the last 12 months. It is a right from your first day, and the employer must decide within two months. Hand it in and email it.

For a worker in England, Wales or Scotland whose employer, or former employer, has not paid wages, final pay, overtime or holiday pay that is due: a letter before claim setting out what is owed and how it is worked out, the total, the unlawful-deductions rule in section 13 of the Employment Rights Act 1996, and 14 days to pay, naming the next steps — Acas early conciliation, which is free and online, then an employment tribunal claim. Sent first class and by email.

For an employee in England, Wales or Scotland who needs time off beyond their holiday — a long trip, a family matter, study — and wants their employer's agreement: a letter asking for unpaid leave between two dates, with the return date, and asking the employer to confirm in writing your return to the same job and what happens to holiday, pension and benefits. There is no general right to unpaid leave; carer's leave, parental leave and time off for dependants are separate statutory rights. Hand it in and email it.