Getting your money back in the UK.
76 guides for reclaiming what you are owed in the UK, each grounded in the local consumer-rights rules. Read yours, then let the AI write the claim. Free, and you keep all of it.
Write a claim for the UKShopping
- How to get a refund for a faulty product (even 'out of policy')A 30-day store policy doesn't override your legal rights. Here's how to claim a repair, replacement or refund for faulty goods, with a letter that cites the law.
- Reclaim a mis-sold or unaffordable store card refundStore cards were often pushed at the till with high interest and barely any affordability checks. If yours was mis-sold or unaffordable, you can reclaim the interest and charges yourself and keep all of it.
- Get a Klarna Refund or Win a DisputeCharged by Klarna for something you returned, never received, or that turned up faulty? Here is exactly how to pause the payments, report the problem, and get your money back without paying anyone.
- Get a Clearpay Refund or Win a DisputeReturned an order, never got your goods, or got the wrong refund amount through Clearpay? Here is how to pause your payments, raise a dispute, and recover your money yourself for free.
- Reclaim a wedding deposit when a supplier cancelsA wedding supplier cancelled on you and is holding your deposit? Under the Consumer Rights Act 2015 you can get it back. Here is how to claim.
- How to get a refund from Ticketmaster for a cancelled eventEvent cancelled by Ticketmaster? Learn your rights and how to claim a full refund for tickets, including booking fees, quickly and easily.
- How to Get a Refund from Amazon for 'Not As Described' ItemsBought an item from Amazon that wasn't as described? Learn your rights and how to get a full refund quickly and easily.
Banking
- How to reclaim overdraft interest with an affordability complaintIf your bank let you live in an expensive overdraft for years without checking you could afford it, you can reclaim the interest, plus 8% and a credit-file fix. Here's the complaint that does it.
- How to reclaim interest on a loan you couldn't affordGiven a loan, credit card or catalogue account you could never realistically repay? An irresponsible-lending complaint can refund the interest you paid, plus 8%. Here's how to make it.
- Reclaim Overdraft Fees from BarclaysBeen hit with high Barclays overdraft interest while struggling financially? You may be owed a refund. Here's how to complain and reclaim up to six years of charges.
- Reclaim Overdraft Charges from LloydsStuck in your Lloyds overdraft and paying interest you couldn't clear? You may be able to reclaim up to six years of charges. Here's the step-by-step process.
- Reclaim Overdraft Fees from NatWestPaying NatWest overdraft interest you could never clear? You may be owed a refund of up to six years of charges. Here's how to complain and escalate for free.
- Am I owed a packaged bank account refund?If you paid a monthly fee for a packaged bank account with perks you could not use or never wanted, you may be owed every penny back plus interest. Here is how to claim.
- How to tell if your overdraft charges were unfairHeavy overdraft charges piled on top of money troubles can often be reclaimed. Here is how to tell if yours were unfair and how to ask your bank for a refund of the interest and fees.
- Reclaim overdraft fees from MonzoHow to get a refund of Monzo overdraft interest and fees, including unaffordable or unfairly charged borrowing, using the FCA rules and the free Financial Ombudsman Service.
- Reclaim overdraft fees from NationwideHow to claim back Nationwide overdraft interest and charges, including unaffordable borrowing, using the FCA overdraft rules and the free Financial Ombudsman Service.
- Reclaim overdraft fees from First DirectHow to reclaim First Direct overdraft interest and charges, including unaffordable lending, using the FCA overdraft rules and the free Financial Ombudsman Service.
- Reclaim overdraft fees from Virgin MoneyHow to claim back Virgin Money overdraft interest and charges, including unaffordable borrowing, using the FCA overdraft rules and the free Financial Ombudsman Service.
Subscriptions
- How to Cancel Your PureGym Membership & Stop PaymentsLearn how to effectively cancel your PureGym membership and stop recurring payments. Follow our step-by-step guide to avoid unwanted charges.
- Broadband mid-contract price rise: how to exit or claimYour broadband, phone or pay-TV price just went up mid-contract. Depending on when you signed up, you may have the right to leave penalty-free, or the rise may be capped by Ofcom's rules. Here's how to check and act.
- Reclaim an EE early termination chargeEE billed you an early termination charge to leave your contract early. If the charge was inflated, or EE never gave you the contract information it was required to, you can challenge it and get money back.
- Cancel or reclaim a Sky broadband mid-contract price riseSky pushed up your broadband price mid-contract. Depending on when you signed, you may be able to walk away penalty-free or challenge a rise that wasn't properly notified.
Motor
- Claim a refund for a mis-sold PCP car finance deal (discretionary commission)Were you sold PCP car finance with a hidden discretionary commission? Here is how to complain for free and claim your share of the FCA motor finance redress scheme.
- Reclaim a refund on mis-sold hire purchase (HP) car financeHire purchase car finance with a hidden commission can be reclaimed. Learn how to complain to your lender for free under the FCA motor finance redress scheme.
- Reclaim car finance commission from Black HorseHad a car finance deal with Black Horse before November 2024? Here is how to complain about hidden commission for free and claim under the FCA redress scheme.
- Complain to Volkswagen Financial Services about car finance commissionFinanced a car through Volkswagen Financial Services before Nov 2024? Learn how to complain about undisclosed commission for free under the FCA redress scheme.
- Reject a faulty car from a dealer and get a refundBought a faulty car from a dealer? Under the Consumer Rights Act 2015 you may be able to reject it for a refund or demand a free repair. Here's how to claim.
- How to Appeal a Private Parking Charge Notice (PCN) via POPLAGot a Parking Charge Notice on private land? Here's how to appeal it for free to the operator and then to POPLA, and the rules operators must follow under the Protection of Freedoms Act 2012.
- Car Warranty Claim Rejected? Know Your RightsIf a dealer or warranty company has refused to fix a faulty car, your statutory rights under the Consumer Rights Act 2015 may still force a repair, replacement or refund, separate from any warranty's small print.
- Am I owed money for mis-sold car finance?If you took out car finance between 2007 and 2024, hidden commission may mean you were overcharged. Here is how the FCA redress scheme works and how to claim what you are owed.
- What is a discretionary commission arrangement and can I claim?A discretionary commission arrangement let your car finance broker raise your interest rate to earn more commission. Here is what it means and how to claim if you had one.
- Reclaim Car Finance Commission from MotoNovo FinanceIf you took out car finance with MotoNovo between 2007 and 2024, hidden or discretionary commission may mean you are owed money. Here is how to complain and get included in the FCA redress scheme, free, keeping every penny.
- Reclaim Car Finance Commission from Close Brothers Motor FinanceClose Brothers was a lead party in the Supreme Court car finance case. If your dealer used Close Brothers and never told you about their commission, here is how to claim a refund through the FCA scheme for free.
- Reclaim Car Finance Commission from Santander Consumer FinanceSantander has set aside hundreds of millions for car finance redress. If your dealer used Santander and hid their commission, here is how to claim a refund through the FCA scheme for free.
- Reclaim Car Finance Commission from MoneybarnMoneybarn says it never used discretionary commission, but some customers may still be owed money where high commission was hidden. Here is how to complain through the FCA scheme for free.
- Reclaim money for a faulty used car from a dealerBought a used car from a dealer and it turned out faulty? Under the Consumer Rights Act 2015 you can demand a repair, replacement or refund. Here is how to get your money back.
- How to appeal a Euro Car Parks chargeEuro Car Parks sent you a Parking Charge Notice. Here is how to appeal it properly, escalate free to POPLA, and stop paying a charge that often does not stand up.
- How to appeal a ParkingEye chargeGot a ParkingEye Parking Charge Notice? Here is how to appeal it the right way, take it free to POPLA, and avoid paying a charge that may not be enforceable.
- How to appeal an NCP parking chargeNCP issued you a Parking Charge Notice? Here is how to appeal it correctly, escalate free to POPLA, and challenge a charge that often does not hold up.
- How to challenge a council PCNA council issued you a Penalty Charge Notice for parking, a bus lane, or a moving traffic offence. Here is how to challenge it free and escalate to an independent tribunal.
- How to challenge a rejected car insurance claimYour car insurance claim was declined. Insurers have to treat claims fairly under FCA rules, and a free Financial Ombudsman route sits behind every decision. Here is how to push back and win.
Credit
- Reclaim a Mis-Sold Payday Loan (Irresponsible Lending Refund)Took payday loans you couldn't afford to repay? You may be owed a refund of interest and charges. Here's how to claim irresponsible lending against your lender.
- Reclaim a Mis-Sold Doorstep / Provident Loan (Irresponsible Lending Refund)Had home-collected loans from Provident or similar that you couldn't afford? You may be owed an interest and charges refund for irresponsible lending. Here's how.
- Reclaim Mis-Sold Catalogue Credit (Very, Littlewoods Irresponsible Lending)Given a catalogue credit limit from Very or Littlewoods you couldn't afford, or repeated limit increases? You may be owed interest and charges back. Here's how.
- Reclaim a Mis-Sold Guarantor Loan (Irresponsible Lending Refund)Took a guarantor loan you couldn't afford, or stood as a guarantor who had to pay? You may be owed an interest and charges refund for irresponsible lending. Here's how.
- Make a Section 75 claim for goods or services not providedPaid by credit card for something you never received? Section 75 makes your card provider jointly liable. Here's how to claim your money back.
- How to Check if a Payday Loan Was Mis-Sold (and Reclaim the Interest)A clear UK guide to working out whether a payday loan was unaffordable, using FCA affordability rules and the free Financial Ombudsman Service.
- Am I Owed a Refund on a Guarantor Loan?Find out whether you can reclaim interest and fees on an unaffordable guarantor loan in the UK, as the borrower or the guarantor, through the free Financial Ombudsman Service.
- How to Claim Against a Doorstep LenderReclaim interest and fees on unaffordable home credit and doorstep loans in the UK using FCA affordability rules and the free Financial Ombudsman Service.
- Reclaiming on a High-Cost Short-Term LoanHow to reclaim interest and fees on an unaffordable high-cost short-term loan in the UK, using FCA affordability rules and the free Financial Ombudsman Service.
- Reclaim interest and charges from a Vanquis credit cardVanquis is a subprime lender, so if it gave you a card or a credit limit increase you couldn't realistically afford, you can complain for an unaffordable lending refund. Here's exactly how to do it yourself and keep every penny.
- Reclaim interest and charges from an Aqua credit cardAqua is a credit-builder card aimed at people with poor credit. If it lent to you when you couldn't afford it, or hiked your limit while you struggled, you can claim a refund of interest and charges yourself, free.
- Reclaim interest and charges from a Capital One credit cardCapital One often starts customers on a low limit then raises it repeatedly. If those increases or the original card were unaffordable, you can reclaim the interest and charges yourself and keep all of it.
- Claim Back Mis-Sold Catalogue Credit From StudioIf Studio handed you a credit account or kept raising your limit without properly checking you could afford it, you can complain and claim back the interest and charges. Here is how to do it yourself and keep every penny.
- Claim Back Mis-Sold Catalogue Credit From JD WilliamsJD Williams gave a lot of customers credit accounts and rising limits without checking they could really afford them. If that happened to you, here is how to complain and claim back the interest and charges yourself.
Travel
- Claim train delay compensation with Delay RepayDelayed on a UK train? Delay Repay pays back a percentage of your fare based on how late you arrived. Here's how to claim what you're owed.
- How to Appeal a Rejected Travel Insurance ClaimTravel insurers must handle claims fairly and cannot decline them on unreasonable grounds. If your cancellation, medical, or baggage claim was rejected, here is how to appeal and escalate to the Financial Ombudsman for free.
- Reclaim money for a holiday that was not as describedYour package holiday did not match what you booked? Under the Package Travel Regulations 2018 you can claim a price reduction and compensation. Here is how.
Bills
- Challenge your council tax band and reclaim overpaymentsThink your council tax band is too high? You can ask for it to be reviewed and, if it's lowered, get a backdated refund. Here's how to check and challenge it.
- Energy back-billing: refuse charges over 12 months oldIf your gas or electricity supplier sends a surprise 'catch-up' bill for energy used more than 12 months ago, Ofgem's back-billing rule usually means you don't have to pay it. Here is how to refuse the charge and get any overpayment refunded.
- Disputing a water bill overcharge and getting a refundCharged too much for water or sewerage? Whether it's an estimated bill, a leak, the wrong tariff, or being charged for surface water drainage you don't have, here's how to dispute it through your water company, CCW and the binding WATRS scheme.
- Reclaiming mobile roaming and out-of-bundle chargesShocked by a roaming bill or out-of-bundle charges you didn't expect? If your provider failed to alert you when you started roaming, didn't offer a spend cap, or charged for inadvertent roaming, you may be able to get the charges refunded. Here's how.
- Reclaim credit left on a closed energy accountSwitched supplier or moved home and left money sitting in an old energy account? Suppliers are holding hundreds of millions in unclaimed credit. Here's how to get yours back.
- Reclaim overpaid water chargesIf your water company has been charging you for surface water drainage you don't use, or billing you on the wrong basis, you can reclaim years of overpayments.
- How to Dispute a Vodafone Bill and Get a RefundDispute an incorrect Vodafone bill, understand your rights, and get your money back. Follow our step-by-step guide for a successful refund.
- How to Appeal a Private Parking Charge NoticeGot an unfair private parking charge? Learn your rights and follow our step-by-step guide to appeal and get your PCN cancelled in the UK.
Housing
- How to Claim Compensation for a Mis-Sold MortgageIf your mortgage lender or broker gave you unsuitable advice, hid commission, or never checked you could afford it, you may be able to claim compensation. Here is how to complain and escalate to the Financial Ombudsman Service for free.
- How to Reclaim an Unfair Mortgage Early Repayment ChargeAn early repayment charge must be a reasonable pre-estimate of your lender's costs. If yours looks excessive or was applied unfairly, here is how to challenge it and reclaim the money for free.
- Reclaim a deposit from a builder who never started workPaid a builder a deposit and they never turned up or started the job? Here is how to get your deposit back under the Consumer Rights Act 2015.
- How to Get Your Tenancy Deposit BackEnsure your landlord returns your tenancy deposit promptly and fairly. Understand your rights and what to do if there's a dispute.
Insurance
- How to Challenge a Rejected Home Insurance ClaimHome insurers must treat claims fairly and cannot reject them on weak or unfair grounds. If your buildings or contents claim was declined, here is how to challenge it and escalate to the Financial Ombudsman for free.
- Mis-Sold GAP Insurance? How to Claim a RefundGAP (Guaranteed Asset Protection) insurance sold alongside a car was frequently overpriced and poorly explained. Here's how to complain and reclaim your premium, plus how to escalate to the Financial Ombudsman.
- Insurer Undervalued Your Written-Off Car? How to Challenge ItIf your insurer's total-loss payout for a written-off car is too low, you can challenge it. Here's how to evidence the real market value and escalate to the Financial Ombudsman if they won't budge.
- How to challenge a rejected pet insurance claimPet insurers love the words 'pre-existing condition'. Often it is a stretch. Here is how to challenge a declined pet insurance claim using FCA rules and the free Financial Ombudsman.
- How to reclaim a mis-sold payment protection style add-onBolt-on policies like payment cover, GAP, and protection add-ons were often sold to people who could never claim. If yours was mis-sold, you can reclaim what you paid plus interest. Here is how.
- How to reclaim a rejected mobile phone insurance claimPhone insurers reject loads of claims on technicalities about proof of use or 'unattended' devices. Many do not survive scrutiny. Here is how to challenge a declined phone insurance claim.