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BNPL comes under FCA regulation on 15 July 2026: affordability checks, real support in hardship, and Financial Ombudsman escalation. What changes and how to use it.
A refusal isn't the end. Six free routes to your money - Consumer Rights Act letters, chargeback, Section 75, ombudsmen, small claims - and when to use each.
Wrongly applied fees, hardship charge spirals, and mis-sold packaged accounts are all reclaimable - free, without a claims company. Here's the route that works in 2026.
From 15 July 2026, Klarna, Clearpay, and other BNPL providers fall under FCA regulation. You'll gain Section 75 protection, affordability checks, and the right to complain to the Financial Ombudsman.
BNPL gets Section 75 protection in July. Drip pricing is banned. UK261 covers all UK departures. Here's your complete pre-travel checklist and what to do when things go wrong.
Most people leave money behind because they don't know what they're owed. A round-up of free tools to check your case and your figure, grouped by problem.
Mid-contract price rises and dropouts both come with real rights and exit routes. The best ways to complain to Virgin Media, in the order worth trying.
When a company goes into administration, most people assume their money is lost. It usually isn't. Section 75, chargeback, ATOL, and the FSCS can all help. Here's how.
Cancelled, delayed, or downgraded? Seven routes to an airline refund or compensation, ranked fastest to last resort, with the trade-offs of each.
Legal Ombudsman complaints are up 37%. Communication failures, delays, and hidden fees are the top issues. Here's how to complain, escalate, and claim compensation.
