12 guides
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.
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.
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 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.