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There are also template letters to file a claim independently.
He says more than 4.5m template letters have already been downloaded.
Go to theguardian.com/money and click on "Tools & calculators" for the range of template letters.
I could not find template letters to send these companies, so I created my own with my new found understanding.
This site also published template letters showing customers how to ask for bank charges to be refunded.
There are plenty of step-by-step instructions and template letters available online, including at www.moneysupermarket.com and www.moneysavingexpert.co.uk.
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Guardian Money has a template letter for you to use.
Download a template letter This is perhaps the more important letter.
Draft your own or wait until next weekend/week for our template letter.
To help, MoveYourMoney has produced a template letter that individuals can send before switching.
Should you need to make a claim, Citizens Advice has a template letter you can download and send to your credit card provider.
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