Klarna & Clearpay complaints: your new rights from 15 July 2026
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.
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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.
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.
DCAs were banned in 2021. Hopcraft, Wrench and Johnson widened liability in 2024. The FCA scheme is still evolving - here's what's settled, what's moving, and how to file a complaint right now.
The FCA complaint pause ends 31 May 2026. Claim directly now for free, skip the claims management companies, and get in the queue early for your £700+ payout.
Major FOS reform introduces a 10-year complaint deadline, a revised 'fair and reasonable' test, and new FCA referral rules. If you have an old financial complaint, the clock is ticking.
The FCA's redress scheme is confirmed: ~£829 average per agreement for 2007-2024 car finance with dealer commission. How to claim free, without a claims company.