Know Your Rights
Plain English guides to UK consumer rights, complaint processes, and dispute resolution strategies.
By Dispute Type
Section 75 Credit Card Claims
How to make the credit card company jointly liable for purchases over £100.
Car Finance Disputes
PCP mis-selling, commission disclosure, and your rights under consumer credit law.
Insurance Claim Rejections
Challenge unfair claim rejections using ICOBS rules and FOS precedents.
Property Defects & Warranties
NHBC claims, developer liability, and Building Regulations enforcement.
Flight Delay Compensation
EC 261/2004 retained law - your right to compensation for delays and cancellations.
Faulty Goods Returns
Consumer Rights Act 2015 - your rights to repair, replace, or refund.
Energy & Utilities Disputes
Billing disputes, switching problems, and Ofgem complaint routes.
Telecoms & Broadband Disputes
Speed guarantees, mid-contract price rises, and Ofcom ADR schemes.
Banking & Current Account Disputes
Unauthorised transactions, unfair charges, and FCA protections.
Employment
Unfair Dismissal Claims
Your rights under the Employment Rights Act 1996 and how to bring a tribunal claim.
Workplace Discrimination Claims
The 9 protected characteristics and how to challenge discrimination under the Equality Act 2010.
Challenging Redundancy
Unfair selection, inadequate consultation, and your right to a fair process.
By Process
Financial Ombudsman Service
How FOS works, what they can award, and how to present your case effectively.
Small Claims Court
Step-by-step guide to issuing and winning a small claims court case.
Preparing for Your Court Hearing
Bundle preparation, witness statements, and what to expect on the day.
Subject Access Requests
Use GDPR to get every piece of data a company holds on you.
Understanding Limitation Periods
Time limits for legal claims - when you must act to preserve your rights.
Writing an Effective Formal Complaint
Structure, tone, legal references, and common mistakes to avoid.
The Escalation Roadmap
The 6-stage ladder from initial complaint to court enforcement.
Disputes on Behalf of Vulnerable Persons
Acting as deputy or attorney, and the extra protections companies must provide.