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March 19, 2026 
Daniel Lee The Grotesque GAP Commission Award Has a New Leader: Step Forward, Motorpoint We have a new winner for the grotesque GAP commission award. Step forward, Motorpoint. And what a performance it is. This latest example shows a total gross underwriting premium of just £57 for the GAP product, yet the consumer was charged a staggering […]
March 19, 2026 Daniel Lee The FOS Reform That Rewards Cover-Ups The latest Financial Ombudsman Service reform announcement is being sold as “certainty”. But let us be honest about whose certainty this really is. For consumers, it is not certainty at all. It is a warning. For firms, it is a useful roadmap. Buried in the government’s March 2026 consultation […]
March 17, 2026 Daniel Lee When Proof Is Not Enough for FOS There are two phrases the Financial Ombudsman Service (FOS) seems to adore… “on the balance of probability”, and “more likely than not”. In theory, that sounds reasonable enough. In practice, it has become a convenient hiding place. A slogan. A shield. A way of dodging hard evidence in […]
March 13, 2026 Daniel Lee When “No” Apparently Means “Sell It Anyway”: Re-Educating FOS on GAP Insurance, Yet Again There are times when a complaint file lands on your desk and you wonder whether anyone at all has read the paperwork. This is one of those times. In this case, the dealership’s own Demands & Needs statement recorded that the […]
March 11, 2026 Daniel Lee Dirty Business, Dirty Regulation: Is There Any Real Difference Between the Environment Agency and the FCA? Watching Dirty Business is enough to make your blood boil. Not just because of what it says about the water industry, but because of what it appears to expose about the regulator that was supposed to keep it in […]
March 19, 2026 Daniel Lee “We Financed It By Mistake” — The Latest GAP Complaint Excuse, And Why It’s Not Going To Fly There’s a new contender in the GAP complaints Hall of Fame, and it’s a beauty. Step forward Volkswagen Financial Services (trading as Skoda Financial Services), with a response which is essentially this: “Yes, the GAP policy ended […]
