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.
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.