UK Consumer Dispute Sectors

Banking Disputes

Current accounts, savings, credit cards, personal loans and BNPL. Your rights, the FOS route, and how to get your money back.

Fraud Disputes

Bank transfer (APP) fraud, recovery failures, warning failures, PSR mandatory reimbursement, section 75 and chargeback. The four routes to recovery.

Insurance Disputes

Home, motor, travel, GAP, life, critical illness, income protection and group personal accident. How to challenge a rejected claim and win at the FOS.

Investment Disputes

Bad investment advice, platform failures, CFD/FX losses, SIPP-held investments and crypto. Your rights under FCA COBS, the FOS award limits and the FSCS backstop.

Pension Disputes

Pension mis-selling, DB transfer advice, SIPP failures, workplace pensions and automatic enrolment. Rights under FCA COBS 19, the TPO and FOS routes, and the PS22/13 redress methodology.

Debt and Credit

Debt collector harassment under FCA CONC 7, bailiff procedure under the 2013 Regulations, credit file rectification under UK GDPR, and e-money disputes. Limitation, s.140A unfair credit relationships, and the FOS route.

Mortgage Disputes

Mortgage mis-selling, affordability failures, unfair arrears charges, mortgage prisoners and possession threats. FCA MCOB rules, the FOS route and the Consumer Duty.

Energy and Water

Energy back-billing under Ofgem SLC 21B, meter accuracy, direct debit credit balances, vulnerable-customer protections under SLC 25, and water Guaranteed Standards. The Energy Ombudsman and WATRS routes.

Telecoms

Broadband, mobile, landline and Pay TV disputes. Ofcom General Conditions, CISAS and Communications Ombudsman, automatic compensation rates and bundle termination rights.

Travel Disputes

Flight delays, package holidays, cruise complaints, travel insurance and ATOL/ABTA claims. UK261 compensation, the PTR 2018 framework, and the ADR routes.

Transport

Rail delays and Delay Repay, private and council parking PCNs, ride-share, vehicle hire and post/parcels. The right complaint route, the time limits, and the regulatory framework for each mode.

Property Disputes

Estate agents, lettings agents, private landlords, conveyancing, new-build defects and surveyors. Renters' Rights Act 2025, New Homes Ombudsman, NHBC and the Legal Ombudsman routes.

Home Improvement

Trader disputes under CRA 2015, Building Regulations sign-off, TrustMark and RECC schemes, FENSA/CERTASS for glazing, and the Defective Premises Act framework. Section 75 for credit-funded purchases.

Retail Disputes

Faulty goods under CRA 2015, online cooling-off under CCR 2013, marketplace disputes, subscription traps and ticket resale. Statutory rights, section 75, and the DMCCA 2024 framework.

Healthcare

NHS complaints under the 2009 Regulations, private healthcare through ISCAS, private dentistry through DCS, cosmetic surgery, pharmacy and social care. The PHSO, LGSCO, GMC, GDC and CQC routes.

Education and Childcare

School admissions and exclusions, university OIA complaints, SEND tribunals, nursery and childcare disputes, and private tuition under CRA 2015. Statutory appeals, the Equality Act 2010, and the routes that work.

Public Services

Council and government department complaints, police complaints to the IOPC, HRA 1998 civil claims, judicial review and tribunals. The LGSCO, PHSO, IOPC, and PPO routes, with time limits and statutory frameworks.

Data, Privacy and Digital

UK GDPR Article 15 SARs and Article 82 compensation, PECR nuisance marketing, online platform content moderation under the OSA 2023, social media defamation, AI services and SaaS subscription disputes.

Professional Services

Solicitor service complaints to LeO, SRA misconduct reports, barrister complaints, and accountant professional negligence claims. The post-April 2023 one-year rule, s.14A latent damage, and the routes that work.

Lifestyle Services

Wedding venue disputes, gym auto-renewal, funeral plans under FCA regulation, hospitality, beauty injury, holiday lets and gambling. CRA 2015 fairness, IBAS, FCA/FSCS for funeral plans, and section 75.