Finance
Motor finance redress in 2026
Parts of the FCA scheme are suspended during a legal challenge. You can still complain to your lender, and it costs nothing to do so.
Read the briefing →Independent UK consumer briefing
Claims, without the noise.
Clear reporting on redress, complaints and the businesses offering to handle them, so you can make your own informed choice. We are a publication, not a claims company, and we never sell your claim.
Start here
Know the route before you pay for help
Most consumer complaints can be made directly, for free. Paid representation is a choice, not a requirement, and it can reduce what you keep. These briefings explain the free route first.
Choosing help
Fees, contracts and consent
Understand charges, cancellation terms, and how to confirm exactly who is acting for you and on which agreements.
Use the checklist →Complaints
The free route, step by step
Complain to the business first, keep your evidence, and learn when an ombudsman can take it further at no cost.
Follow the steps →More briefings
Plain-English guides on the topics people ask about
We cover the areas where consumers are most often approached by advertising, cold calls and social media offers. Each guide sticks to what you can do yourself, what a service can and cannot promise, and where to check the current position.
- Packaged bank accounts
- When a monthly-fee account may have been mis-sold, and how to check the benefits you actually used.
- Undisclosed commission
- What "discretionary commission" meant on older car finance, and why it is central to the current cases.
- Section 75 and chargeback
- Two different routes to get money back on card and credit purchases, and when each applies.
- Timeshare and holiday clubs
- Why upfront-fee "exit" offers deserve special caution.
How to read any claims offer
Six checks that take five minutes
1. Is it free elsewhere?
If you can complain directly to the business and escalate to a free ombudsman, ask what a paid service adds.
2. What is the total cost?
Get the percentage and the cash example, including VAT and any charge for cancelling later.
3. Who is regulated?
Regulated claims management is overseen by the FCA. Check the Financial Services Register yourself.
4. What am I signing?
A letter of authority can be broad. Confirm which lenders or products it actually covers.
5. Can I cancel?
You usually have cancellation rights. Ask how, by when, and what it would cost.
6. Is it really them?
Scammers copy real brands. Contact the business using details from its official site, not a text or email link.
We are a publication, not a claims management company.
We do not assess, submit or sell claims, and we are not paid by claims firms to feature them. Our guides are general information, not legal or financial advice. Always check the current position with the relevant regulator or ombudsman before you act.
Your choices, recorded clearly
Get the claims briefing
A short, practical email when something changes that affects consumers: a new deadline, an enforcement action, or a scam doing the rounds. Choose how you want to hear from us. Nothing is pre-ticked, each channel has its own wording, and you can withdraw at any time.
- No selling of your details to third parties.
- One clear unsubscribe link in every message.
- We record exactly what you agreed to and when.