Find the right route through your problem.

Identify whether the problem is faulty content, account access, recurring charges or immediate digital supply.

Check whether the distance-contract cancellation regime is likely to apply and what can affect the refund.

Work out which Consumer Rights Act remedy stage may apply when something you bought is faulty, misdescribed or not fit for purpose.

Work out what may apply when a takeaway or app-based food order did not arrive, was wrong or incomplete, arrived late/cold/poor quality, was unsafe, or a refund was refused.

Work out whether the dispute concerns a false statement, a missing material fact or a term that was later changed.

Work out whether the retailer, courier evidence or an agreed safe-place instruction is central to the dispute.

Identify whether the problem is competence, a broken promise, delay or price.

Separate faulty-goods remedies, online cancellation and voluntary returns policies before challenging the refusal.

Separate current contract/cancellation rights from future subscription reforms and from sector-specific rules.

Take urgent protective steps, then identify whether the payment was unauthorised, induced by a scam or disputed for another reason.

Work out whether Section 75, chargeback or both may be worth pursuing.

Clarify the transaction reason, card scheme route, timing and evidence the issuer considered.

Identify the lending pattern, the information available to the lender and the financial impact.

Test the reporting against the actual account chronology rather than focusing only on the credit score impact.

Separate “I cannot pay” from “I do not owe this amount” and build the account chronology.

Separate line performance, Wi-Fi limitations, loss of service and automatic-compensation issues.

Check whether deadlock or the current waiting period lets you take the dispute to ADR.

Compare the sales conversation, pre-contract information, order acceptance and later account record.

Identify whether the problem is notice, early termination, a failed switch, number porting or overlapping billing.

Work through whether the issue is usage, tariff, cancellation, duplicate billing or a contract change.

Identify whether a decision was solely automated, what significant effect it had and what human review is available.

Choose between erasure, restriction and objection, then identify the organisation’s stated lawful basis.

Work out whether you need rectification, restriction, erasure or a contextual correction.

Take protective steps, identify what happened and decide whether correction, restriction, complaint or compensation evidence is needed.

Work out whether the issue is timing, ID, clarification, missing data, redactions or refusal.

Identify whether you need to answer allegations, raise a grievance, appeal a decision or preserve a protected issue.

Separate protected-characteristic discrimination, harassment and the duty to make reasonable adjustments.

Identify service length, reason and time-limit issues before assuming ordinary unfair dismissal is the only route.

Check whether the request was handled reasonably, decided on proper grounds and kept separate from discrimination issues.

Separate annual leave, statutory family or dependant leave, disability issues and discretionary workplace policy.

Check whether the issue is an unauthorised deduction, contractual pay dispute or minimum-wage problem.

Test whether the role is genuinely affected, how selection and consultation were handled and what payments may be due.

Identify homelessness duties, accommodation rights and statutory review deadlines.

Distinguish ordinary access requests, repeated interference, threats and possible illegal eviction.

Separate informal request, notice, court order and lawful eviction.

Identify the right route for an England private-renting dispute.

Separate a proposed increase, arrears calculation, affordability issue and possession risk.

Choose between ordinary repair, hazard enforcement and social-housing Awaab routes.

Work out whether the issue is landlord service, Awaab repairs, ASB or a separate council statutory function.

Work out whether the issue is protection, repayment or deductions.

Identify whether the issue concerns assessment, care planning, charges, safeguarding or complaint handling.

Work out whether you still have a service request, a formal complaint, a missed Stage 1/2 deadline or a case ready for LGSCO.

Work out whether the correct route is reconsideration, statutory review, tribunal appeal or complaint about administration.

Separate liability, discounts, Council Tax Reduction, banding and service errors so you use the appeal route that can change the bill.

Choose the right next step when noise is recurring, Environmental Health is investigating or the council says there is not enough evidence.

Identify the type of notice, current enforcement stage and whether the route is representations, appeal or complaint.

Work out what to do when development looks unauthorised, a condition may be breached or the council decides not to enforce.

Work out whether you need a defect report, highways complaint or evidence for a damage/injury claim.

Choose between SEND Tribunal, mediation, complaint and implementation routes before a complaint causes you to miss an appeal deadline.

Start with the policy wording, the insurer’s precise reason, the evidence and the remedy you want.

Identify the disruption type, journey coverage, immediate care and rerouting needs, then assess reimbursement or compensation.

Identify who organised the booking, what changed or failed and whether the organiser, hotel or platform is responsible.

Identify whether the issue is estimated use, meter data, tariff, debt, switching or complaint escalation.

Separate a faulty vehicle sale, finance agreement, poor repair and warranty dispute.

Act quickly to limit loss, preserve the scam trail and choose the correct bank, platform and reporting routes.

Choose the provider, urgent resolution, records, formal complaint or clinical-negligence route that matches the problem.

Identify whether the issue is service, delay, bill, negligence, conflict or professional conduct.

Check the correct information-rights regime, deadline, refusal and internal-review route.

Identify whether this is a service complaint, statutory appeal, information-rights request or ombudsman matter.

Test whether you have a legal claim, evidence, loss/remedy and a proportionate pre-action route before issuing.

Separate disagreement from demonstrable factual, jurisdictional, evidential or reasoning error.

Work out whether the next step is clarification, internal escalation, ADR/ombudsman, regulator or court.