HeyRefund guides
Practical, UK-specific guides on getting refunds and challenging financial complaints — banks, insurers, lenders and investments — and when to escalate to the Financial Ombudsman.
Blue Motor Finance Limited entered administration on 30 July 2026 after running at a loss with compensation liabilities it could not meet. Your agreement still stands - here is what to do about payments, existing claims, and complaints.
Prosper Capital LLP, the FCA-authorised firm behind appointed representative Crowd2Let Capital, has entered creditors' voluntary liquidation. FSCS is now taking claims from Crowd2Let investors - here's how to check if you're covered and claim for free.
"You didn't declare a medical condition" is one of the most common - and most challengeable - travel insurance rejections. The law grades honesty: careless mistakes get proportionate remedies, not automatic refusals. Here is how to test a rejection.
Insurers' first write-off offers are often below fair market value - and the Financial Ombudsman has pushed the industry hard on exactly this. This guide explains how valuations should be done, why first offers come in low, and how to build a counter-case.
A default marker damages your credit file for six years - but lenders record them wrongly more often than you might think. This guide explains when a default is challengeable, the process for disputing it, and what to ask for beyond removal.
The FCA says customers of insurance broker Anthony Jones (UK) Limited should check their policies after the firm agreed to stop all regulated activity from 9 July 2026. Here's what to check and how to complain.
Logbook Lending Limited - trading as Log Book Loans 247, AFPremier.co.uk, pawnmy.co.uk and LBL Asset Finance - entered administration on 1 July 2026. Your agreement still stands. This guide covers payments, pawned items and complaints.
When a financed car turns out faulty, your claim is against the finance company - not just the dealer. This guide covers the 30-day short-term right to reject, the six-month rule, repair rights, and how to escalate a refusal for free.
E-money providers sit under different rules from banks - buyer protection is a policy, not a right, and there is no FSCS cover. But UK-regulated providers do answer to the Financial Ombudsman. This guide maps which rules protect you and how to use them.
An overdraft that never clears is a form of expensive long-term debt - and banks have specific obligations around it. This guide explains when overdraft charges can be challenged, what the repeat-use rules require, and how to build the complaint.
An order that never turns up is one of the most winnable card disputes - if you use the right route at the right time. This guide covers non-delivery chargebacks, Section 75, collapsed retailers, and how to challenge a bank that says no.
Crypto scams sit in an awkward gap: the 2024 reimbursement rules often do not cover them. But banks can still be responsible for missing obvious fraud warning signs. Here are the routes that remain and how to build the complaint.
A subscription you cancelled - or never knowingly agreed to - keeps taking money. You do not have to win an argument with the merchant first: you can cancel a continuous payment authority directly with your bank, and charges taken after that must be refunded.
Buy now, pay later becomes regulated credit on 15 July 2026 - with affordability checks, clearer information and access to the Financial Ombudsman. Here is what the new rules cover, what they do not, and how to handle problems with agreements old and new.
A mistyped account number or a mix-up between saved payees does not always mean the money is gone. This guide explains the recovery process banks follow, the deadlines that matter, and what to do when a bank drags its feet.
Millions of car finance agreements with hidden commission are covered by the FCA's redress scheme - but legal challenges have paused parts of it. Here is who is likely to be in scope, what you can do now for free, and why you do not need a claims company.
Repeat payday or short-term loans are one of the strongest patterns in unaffordable lending complaints. This guide explains when a payday refund complaint is realistic, what evidence matters, and how to escalate for free - even if the loans are repaid.
Interest on a credit card or store card can sometimes be challenged, but the reason matters. This guide uses real Financial Ombudsman decisions to show when complaints are stronger, when they are weaker, and how to ask for interest to be frozen or refunded.
If a payment left your account that you did not make or approve, the starting point in UK law is that the bank refunds it - usually by the end of the next business day. This guide explains the rules, the exceptions and what to do if the bank says no.
A frozen account can leave you unable to pay bills or access money. This guide explains why banks block accounts, what to send, and how to complain if the process is unfair.
A delayed pension or investment transfer can be stressful and costly. The key is separating legitimate checks from poor service, then showing what loss the delay caused.
If a lender gave you credit it should have known you could not afford, you may be able to complain. The strongest cases focus on what the lender should have seen at the time.
Had a card refund refused, or unsure whether chargeback or Section 75 applies? This guide explains the difference, the evidence that matters, and how to challenge a rejection.
A rejection or low offer from an insurer usually rests on one specific reason. This guide shows how to identify that reason, answer it with evidence and escalate if needed.
A bank rejection isn't the final word. Since October 2024, many bank-transfer scam victims may be covered by reimbursement rules - here's how to challenge a refusal and escalate for free.