Section 75 Consumer Credit Act: How to Claim Against Your Credit Card Lender
Section 75 CCA 1974: credit card lender jointly liable for PS100-PS30,000 purchases. How to claim when suppliers fail, what applies and FOS escalation rights.
CIDRA 2012: Your Disclosure Rights When Buying Home Insurance
CIDRA 2012 limits your insurance disclosure duty to answering questions honestly. Proportionate remedies, ambiguous question protections and FOS rights explained.
UK GDPR Rights Against Your Bank and Insurer: Plain English Guide
UK GDPR gives you seven rights against banks and insurers: access, rectification, erasure, restriction, portability, objection and automated decision review.
Subject Access Request to Financial Firms: Your UK GDPR Rights Explained
Article 15 UK GDPR: request all personal data from your bank or insurer within 1 month. Get call recordings and underwriting files to support FOS complaints. Free.
Ofgem TPI Regulation: Business Energy Broker Rules and Undisclosed Commissions
Ofgem TPI licensing for business energy brokers expected 2027. Undisclosed commission scandal, PS2bn class action and your rights against broker mis-selling explained.
Bank Account Closure: Your Rights Under UK Regulations Explained
Banks must give 2 months notice before closing your account. Consumer Duty requires reasons. Basic bank account right and CASS 7-day switch guarantee explained.
Bank Fraud Liability: Your Rights Under Payment Services Regulations
Banks must refund unauthorised fraud in 1 business day. APP fraud reimbursement up to PS415,000 mandatory from October 2024. Gross negligence rules and FOS rights.
Payday Loan Rights: FCA Price Cap and CONC Rules Explained
FCA caps payday loans at 0.8% per day, PS15 default fee and 100% total cost. Rollover limits, affordability check rights and how to claim refunds on unaffordable loans.
Debt Collection Rights Under FCA CONC 7: What Collectors Can and Cannot Do
CONC 7 prohibits aggressive debt collection. Verification within 12 days, statute-barred after 6 years, unreasonable contact rules and FOS complaint rights.
Credit Card Rights Under FCA CONC Rules: Section 75, Persistent Debt and More
FCA CONC rules for credit cards: Section 75 joint liability, persistent debt rules after 18 months and financial difficulty rights. Plain English explanation.
FCA Warning List: How to Check for Unauthorised Firms and Scams
FCA warning list guide: check fca.org.uk/consumers/warning-list, spot clone fraud, verify on Register and report to Action Fraud. Plain English guide. June 2026.
Ofgem Energy Switching Rights in 2026: 8 Week Rule Explained
Under Ofgem rules, a domestic energy switch should complete within 8 weeks. This is the maximum time allowed for the transfer from your old supplier to the new one. The 8-week period starts when you request the switch, and your new supplier must handle the process.
Smart Meters: Your Rights Under Ofgem Rules -- Installation, Faults and Switching
Smart meters are not mandatory. Ofgem rules on faulty meters, remote prepayment switching restrictions and SMETS1 vs SMETS2 compatibility explained. June 2026.
Final Response Letter: What It Is and Why the Date Matters for FOS Complaints
Final Response Letter (DISP 1.6): must be issued within 8 weeks and triggers the 6-month FOS deadline. What it must contain and what to do when you receive one.
FOS Provisional Decision: What It Is and How to Respond
The FOS provisional decision is preliminary before the binding final. How to respond within 28 days, submit new evidence and challenge errors before the final decision.
Consumer Duty and Bank Accounts: What Your Bank Must Do Under FCA Rules
FCA Consumer Duty applies to all bank accounts. Fair value on overdraft rates and packaged accounts, and how to challenge under PRIN 12 and the FOS. June 2026.
Mortgage Early Repayment Charges: FCA Rules and Your Rights Explained
Mortgage ERCs are 1-5% of your balance. MCOB 5 requires disclosure in your ESIS. How ERCs work, annual overpayment allowances and FOS challenge rights explained.
Mortgage Prisoners: FCA MCOB 11.9 Rules and Your Rights Explained
Mortgage prisoners cannot remortgage despite paying on time. FCA MCOB 11.9 modified rules June 2022 -- eligibility, participating lenders and where to get support.
MCOB 5: What Must a Mortgage Illustration (ESIS) Contain?
MCOB 5 requires a personalised mortgage illustration in ESIS format before you are bound. What it must contain and how to use APR to compare lenders.
ICOBS 7.2: Can Your Home Insurer Cancel Your Policy Mid-Term?
Under ICOBS 7.2 insurers can only cancel mid-term with valid grounds and adequate notice. FCA rules on cancellation rights and how to challenge through the FOS.
ICOBS 2.5: The Customer Best Interests Rule in Home Insurance Explained
ICOBS 2.5 requires insurers and brokers to act in your best interests. Consumer Duty supplements it. FCA rule explained with complaint rights and FOS escalation guide.
Does Home Insurance Cover Subsidence? UK Rules and Claim Rights Explained
Home insurance covers subsidence with higher excess of PS1,000+. How to identify subsidence, make a claim and challenge rejection under ICOBS 8. June 2026.
Escape of Water in Home Insurance: What Is Covered and How to Claim
Escape of water is the UK's most expensive home insurance claim. What is covered, trace and access limits, how to claim and challenge rejection under ICOBS 8.
ICOBS 4: What Must Your Home Insurer Tell You Before You Buy?
ICOBS 4 requires insurers to give you an IPID before purchase. What it must contain and your rights if it is not provided. Plain English FCA rule explanation.
What Does FCA Regulated Mean? Plain English Guide to FCA Authorisation
FCA regulated means FCA-authorised under FSMA 2000. Plain English explanation of what protections this gives you -- FOS access, FSCS cover, Consumer Duty compliance.
MCOB 13: What Your Mortgage Lender Must Do If You Miss a Payment
MCOB 13 requires lenders to treat mortgage arrears fairly -- repossession is a last resort. FCA rules on payment arrangements, debt advice referral and Pre-Action Protocol.
Ofgem Energy Supplier Obligations: What Your Supplier Must Do Under UK Rules
What energy suppliers must do under Ofgem licence conditions: price cap compliance, 8-week complaint response, Priority Services Register and Energy Ombudsman participation.
Ofgem Energy Price Cap Explained: Unit Rates, Standing Charges and Who It Covers
Ofgem price cap explained: quarterly unit rate maximums on default tariffs, what it does and does not cap, fixed tariff comparison and supplier overcharging rights.
FOS vs FSCS: Which Scheme Do You Use and When?
FOS vs FSCS: the FOS handles disputes with trading firms up to 430,000 pounds; FSCS covers insolvent firm claims at 90% with no upper limit. Key differences explained.
FCA Vulnerable Customers: Your Rights Under Consumer Duty Explained
Consumer Duty Outcome 4 requires insurers to support vulnerable customers. FCA FG21/1 four vulnerability drivers explained and how to challenge inadequate support.