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EvenStance is a platform built for people who have been fobbed off once too often. It pairs a consumer who knows their case with an AI that knows the rules. Here is what it is, what it is not, and how to start.

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Featured

FCA Motor Finance Scheme: What You Need to Know

The FCA's motor finance consumer redress scheme (PS26/3) covers roughly 12.1 million eligible car finance agreements and an estimated £7.5 billion in total compensation. Here's who qualifies, what happens when, and how to avoid paying a claims company.

5 min read·5 Apr 2026

Consumer Rights This Week: Motor Finance Redress Faces Tribunal Challenge, Sapia £19.6m WealthTek Payout, and a Children's Toy Asbestos Recall

27th April 2026 | Industry Watch This week's headline: the FCA's £9.1bn motor finance redress scheme is heading to the Upper Tribunal, but you should still complain now. Plus a £19.6m client-money settlement, the FCA's first crypto enforcement, and an asbestos recall affecting a popular children's craft kit sold by John Lewis, Hobbycraft and Toy Master. Motor Finance Redress: Tribunal Challenge Filed, but Don't Wait to Complain Consumer Voice (represented by claims law firm Courmacs Legal) h

4 min read·18 May 2026

FCA cracks down on finfluencers, CMA's first drip-pricing fine, and a Westfield data breach

The FCA's global Week of Action against illegal finfluencers ended yesterday with a guilty plea, 1,267 illegal adverts pulled, and 17 regulators in lockstep. The CMA used its new fining powers for the first time, hitting drip pricing with £4.2m in penalties. Westfield warned customers about a cyber

3 min read·18 May 2026

Consumer Rights Weekly: Claire's Collapse, Motor Finance Reaches Calmer Waters, More Recalls

28th April 2026 | Industry Watch Claire's UK Collapse: What Customers Need to Know Claire's Accessories closed all 154 of its UK and Ireland standalone stores on 27th April with around 1,300 redundancies. Private equity owner Modella Capital appointed Kroll as administrator. The 356 concessions inside Asda and other partner retailers, and the head office, remain operational, but if you bought from a Claire's shop in the last few weeks, your rights depend on how you paid. If you have a gift c

3 min read·18 May 2026

Consumer Rights Daily: Lloyds App Glitch Compensation, Travel Insurance and the Middle East, FCA Fraud Warnings

29th April 2026 | Industry Watch Lloyds, Halifax and Bank of Scotland: How to Claim After the App Glitch If you bank with Lloyds, Halifax or Bank of Scotland, today's MoneySavingExpert update is worth reading. The botched 12th March mobile-banking app update was bigger than initially reported: 446,915 logged-in users were shown other customers' transactions, 107,937 of those clicked into exposed transactions and may have seen sort codes, account numbers and National Insurance numbers, and 80,

4 min read·18 May 2026

Consumer Rights Daily: FCA Questions APRs, Car Makers Push Back on Motor Finance Redress, SIM-Swap Fraud in the Spotlight

30th April 2026 | Industry Watch Is the APR on Your Credit Card Or Loan Actually Telling You the Truth? The Financial Conduct Authority (FCA) lobbed a quiet but consequential question into the regulatory pond yesterday: is the Annual Percentage Rate (APR) actually helping you compare credit products, or is it misleading you? Their new Discussion Paper, published 29th April 2026, leans on PwC research the FCA commissioned. The standout finding: when a lower APR did not reflect cheaper overall

4 min read·18 May 2026

Consumer Rights Daily: Section 21 Is Dead From Today, the FCA Drags a Banned Mortgage Broker Into the Dock, and Wellesley Investors Get a Final Word

1st May 2026 | Industry Watch Section 21 Evictions Are Banned From Today If you rent your home in England, today, 1st May 2026, the rules changed. The Renters' Rights Act 2026 has commenced. Section 21 of the Housing Act 1988, the statutory basis for a "no-fault eviction" notice, is abolished. Any landlord who serves a Section 21 notice on or after today is doing two things at once: serving an invalid notice, and committing an offence that local authorities can punish with a civil penalty of

6 min read·18 May 2026

Weekly roundup: car finance redress in the courts, plus a Lloyds data breach that keeps growing

Four legal challenges to the FCA's motor finance redress scheme could push payouts into 2027. Lloyds Banking Group's data breach has expanded to more than half a million customers. Here is what either story means for you.

4 min read·18 May 2026

Consumer rights weekly: a new complaints-process right is coming, and Visa is sending AI to the chargeback fight

A short one this week. The big regulators were quiet over the bank holiday weekend, but two structural changes are worth flagging early. You're about to get a new right to a complaints process The Data (Use and Access) Act 2025 (DUAA) became law on 19 June 2025 and the first wave of obligations falls due on 19 June 2026, six weeks from now. The headline that affects everyone: Every UK organisation that processes personal data must operate a formal complaints process by 19 June 2026. That m

3 min read·18 May 2026

Four challenges, one answer: the motor finance redress fight gets bigger - and what to do about it

The FCA's £9bn motor finance redress scheme is now being challenged on four fronts — Mercedes-Benz, Volkswagen, Consumer Voice and Crédit Agricole Auto Finance have all filed at the Upper Tribunal. The headlines look messy. The answer for consumers is the same as it was last week.

3 min read·18 May 2026

£70 each, 40 million people: what the Which? £3bn iCloud claim means for you

Which? has filed a £3bn collective action against Apple at the Competition Appeal Tribunal, alleging Apple steered iPhone users towards iCloud and made it harder to use rivals. About 40 million UK customers could each be in line for around £70 if it succeeds. Here is what the claim is, what you need

4 min read·18 May 2026

Google in the dock for £3bn, your e-money safer from today, and a credit broker just collapsed

On 7th May 2026 three things landed at once. A new £3bn class action against Google over UK display advertising. A new FCA safeguarding regime that comes into force the same day, designed to make sure that when payment and e-money firms fail their customers actually get their money back. And the fai

5 min read·18 May 2026

Your car finance payout just slipped, your energy supplier is changing hands, and please check your doorstops

The FCA's £7.5bn motor finance redress scheme has been pushed from July to approximately November 2026 after four legal challenges. E.ON has agreed to buy OVO, creating a 9-million-household supplier. Dunelm has recalled 27 designs of novelty doorstops after asbestos was found in the sand inside. He

5 min read·18 May 2026

Weekly Intelligence Roundup - 17th May 2026

Which? warns AI is making up fake laws in FOS complaints. British Gas to pay £70m. FCA fines pension adviser £755,000. ICO fines South Staffordshire Water £963,900. Here is what changed for UK consumers this week.

8 min read·18 May 2026

What the regulators did this week - 15 May 2026

The FCA reviews how investment firms treat bereaved customers. A £755,000 fine for a pension adviser. 13,000 mortgage prisoners moved to another inactive lender. And the ICO fines South Staffordshire Water £963,900.

5 min read·18 May 2026

Asbestos in children's craft toys, FCA's new safeguarding rules and a class-action consultation: what the headlines mean for you

Two children's-craft products were recalled after asbestos turned up in the sand inside. The FCA's new payments and e-money safeguarding rules come into force this week. And the Law Commission has opened a consultation that could reshape consumer class actions in the UK. Here is the plain-English ve

3 min read·18 May 2026

Weekly Intelligence Roundup - 16th May 2026

British Gas to pay £70m to vulnerable customers, the FCA's new financial-crime data-sharing push, Ofcom's first rise in telecoms complaints since 2023, and the redress-system reform you should be paying attention to.

4 min read·18 May 2026

A fourth challenger lands on the motor finance scheme, and asbestos turns up in children's craft sand

Crédit Agricole became the fourth party to challenge the FCA's £9bn motor finance redress scheme. Asbestos was found in the sand inside two Crayola craft kits and three Home Bargains products. And from 19th June, every UK organisation has to operate a real complaints process for the first time.

4 min read·6 May 2026

Section 21 is dead, motor finance is in the courts on four fronts, and Lloyds' breach grew past 530,000 customers

Four legal challenges to the FCA's £9bn motor finance redress scheme. The Renters' Rights Act commenced on 1 May, abolishing Section 21 evictions. The Lloyds Banking Group breach grew past 530,000 customers. The biggest week of UK consumer-rights news this year.

9 min read·3 May 2026

Energy Ombudsman wait halved, motor finance scheme heads to tribunal, FCA pulls 1,267 finfluencer ads

The government cut the Energy Ombudsman wait from 8 weeks to 4. Consumer Voice took the FCA's £7.5bn motor finance redress scheme to the Upper Tribunal. The FCA's global Week of Action on illegal finfluencers pulled 1,267 adverts. Here's what to do about each.

6 min read·26 Apr 2026

Car finance redress under challenge, FOS raises the bar for 'free' cases, and six recalls in a week

A consumer group is taking the FCA's £7.5bn car finance redress scheme to the Upper Tribunal. The Financial Ombudsman has rewritten the rules on what counts as a 'free' complaint. And the OPSS published six new product recalls in one week, two of them serious. Here's what it all means for you.

4 min read·24 Apr 2026

Energy Ombudsman Wait Halved, Broadband Compensation Rises, FOS Limit Hits £455k: What's New in Your Consumer Rights

This week the rules that decide how long you have to wait before a regulator will actually help you with your dispute have moved in your favour. Three changes matter most. One is enormous and only landed yesterday. The big one: you'll be able to escalate energy disputes after 4 weeks, not 8 On 22nd April the government announced major reform of Ofgem and the Energy Ombudsman. The headline change for households and small businesses: * The wait before you can escalate to the Energy Ombudsman

3 min read·23 Apr 2026

Consumer Rights Roundup: CMA's First Drip Pricing Fine, Ofgem's £500M Debt Write-Off, and What Visa's AI Tools Mean for Your Disputes

This week brought some significant developments for UK consumers. From the CMA's landmark first financial penalty for drip pricing, to Ofgem writing off half a billion pounds in energy debt, here's what you need to know. CMA Slaps AA With £4.2 Million Fine. And Your Hidden Fee Rights Just Got Stronger The Competition and Markets Authority has imposed its first-ever financial penalty under the Digital Markets, Competition and Consumers Act: a £4.2 million fine on AA Driving School and BSM (bot

3 min read·22 Apr 2026

Consumer Rights Roundup: £7.5bn Motor Finance Payouts, Faster Telecoms Complaints & Tumble Dryer Recall

The FCA's motor finance redress scheme is now confirmed. Here's what you need to know about the £7.5 billion in compensation, plus faster telecoms complaint escalation and an urgent tumble dryer safety recall.

3 min read·20 Apr 2026

Consumer Rights Weekly: Motor Finance Deadline Looms, FCA Cracks Down on CMCs

19th April 2026 | Industry Watch Motor Finance Redress: 72 Days to Claim Your Share of £7.5 Billion The FCA's motor finance consumer redress scheme (PS26/3) is now active, with an implementation deadline of 30th June 2026 for agreements taken out from April 2014. If you had a car finance agreement between 2007 and 2024 and weren't told about commission arrangements between your lender and dealer, you could be owed compensation. Key facts: * Covers discretionary commission arrangements (DCA

2 min read·19 Apr 2026

Motor finance redress is live, the AA has been fined £4.2m, and Section 21 dies in 12 days

The £7.5bn FCA motor finance redress scheme went live, the CMA fined the AA £4.2m for hidden fees in its first DMCC ruling, and the Renters' Rights Act starts on 1 May. If you bought a car on PCP between 2007 and 2024, this week matters.

4 min read·19 Apr 2026

Consumer Rights This Week: CMA's First Drip Pricing Fine, Renters' Rights Act Countdown, and the £7.5 Billion Motor Finance Payout

16th April 2026 It's been a landmark week for UK consumer protection. From the CMA's first major enforcement action under new powers to the countdown to historic renters' rights, here's what you need to know. CMA Fines AA £4.2 Million for Hidden Fees The Competition and Markets Authority has issued its first significant fine under the Digital Markets, Competition and Consumers Act. And it's a big one. Automobile Association Developments Limited, which runs both the AA and BSM driving school

3 min read·16 Apr 2026

Consumer Rights This Week: Motor Finance Redress, Council Tax Reform & Booking.com Breach

15th April 2026 | Consumer News It's been a packed week for UK consumer rights. From a £7.5 billion motor finance redress scheme going live to a major overhaul of council tax debt collection, here are the stories that matter to you. Motor Finance: £7.5 Billion Coming Back to Consumers The FCA has confirmed its Motor Finance Consumer Redress Scheme is now active. If you took out a car, van, or motorbike finance deal between April 2007 and November 2024, and commission was paid from the lender

3 min read·15 Apr 2026

Featured

5 Mistakes People Make When Complaining to Companies

Most consumer complaints fail for avoidable reasons. These are the five mistakes that quietly lose more cases than bad law does, with a concrete fix for each.

4 min read·3 Apr 2026

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