Claims Newsletter
Developments that change what consumers can do, when they must act, or who they should be wary of. We publish when something moves, not on a schedule.
Lead story
As at 2 August 2026, the FCA has said parts of its industry-wide compensation scheme were suspended by the Upper Tribunal on 2 July 2026, pending legal proceedings. Lenders do not currently need to calculate or pay compensation under the suspended elements. Complaining to your lender remains free and remains open.
Four things we are tracking, and why each matters to consumers.
Litigation
The outcome will determine whether the industry-wide scheme resumes in its current form, is redesigned, or is replaced by case-by-case handling.
Why it matters: it decides whether compensation is calculated for you automatically or only if you complain.
Deadlines
Deadlines in this area have already been extended more than once. Any new date, and how clearly it is communicated, affects who gets left out.
Why it matters: missing a deadline can end an otherwise good complaint.
Enforcement
The FCA has previously acted over promotions that failed to explain fees or implied consumers could not complain free of charge.
Why it matters: it shapes what you will see in adverts and cold approaches.
Fraud
Unsolicited messages quoting a precise sum, urgent deadlines, and upfront "release fees" all spike alongside coverage.
Why it matters: the people most likely to be targeted are those expecting a payment.
Fees
How caps are applied in practice, and whether consumers are told clearly what a percentage means in pounds including VAT.
Why it matters: it determines how much of any award you actually keep.
Data
How personal data is collected, shared and used to generate claims enquiries, and whether consent is properly evidenced.
Why it matters: it explains why you get contacted about claims you never enquired about.
How to read updates in this area
Get told when it changes
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