Energy price cap 1 January 2027: what to do before it changes
Ofgem announces the January 2027 price cap by 25 November. How to protect yourself at the changeover: the 31 December meter reading, your direct debit and credit balance.
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Ofgem announces the January 2027 price cap by 25 November. How to protect yourself at the changeover: the 31 December meter reading, your direct debit and credit balance.
Ofcom cut the telecoms ADR wait from 8 weeks to 6 on 8 April 2026. When you can escalate a broadband or mobile complaint, to which ombudsman, and how to skip the wait.
VAT on household electricity drops to 0% from 1 October 2026, worth around £45 a year - fixed tariffs included. How to check your bill got it, and what to do if not.
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 affordability checks and the right to complain to the Financial Ombudsman - though Section 75 still doesn’t cover BNPL itself.
BNPL gets Financial Ombudsman access in July (not Section 75, which stays credit-card only). Drip pricing is banned. UK261 covers all UK departures. Here’s your complete pre-travel checklist and what to do when things go wrong.
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.
Got a £2,000 bill out of nowhere covering charges from years ago? Ofgem’s back-billing rule blocks suppliers from recovering charges over 12 months old where they failed to bill you properly.