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November 14, 2025 
Daniel Lee Why we keep re-educating FOS on GAP — and why that has to change Opinion — We are the leading firm raising GAP concerns and complaints in the UK. Week after week, we’re forced to re-educate Financial Ombudsman Service (FOS) investigators about the basics: fair value, commission and distribution chain remuneration. Too often, FOS decisions […]
November 5, 2025 Daniel Lee The tide is turning on motor finance — and the industry’s spin is finally unravelling Response to the APPG on Fair Banking’s report: “Car Finance Scandal: Assessing Redress (Nov 2025)” For years, lenders and their misinformed lapdog cheerleaders insisted there was “no harm here”, warned of economic Armageddon if consumers were compensated, and lobbied for […]
October 8, 2025 Daniel Lee The FCA’s Redress Maths: why the “average‑of‑two” formula short‑changes consumers and neuters deterrence Opinion piece from Your Money Claim For years lenders and brokers pocketed hidden commissions and loaded increased borrowing costs onto motor finance customers. The FCA itself now accepts and admits that “many firms did not comply with the law,” with millions losing […]
October 7, 2025 Daniel Lee After-hours drop: FCA to release motor-finance redress details today — and why a legal challenge is likely The FCA is set to publish details of its motor-finance redress scheme after markets close today. From our discussions with stakeholders and the FCA, coupled with recent FCA publications, we expect at least one legal challenge to follow […]
September 18, 2025 Daniel Lee GAP Insurance: A Fresh Discretionary-Commission Scandal Hiding in Plain Sight A recent complaint response has confirmed a Discretionary Commission Arrangement (DCA) on a GAP insurance sale—and shows the dealer charging well beyond a stated 50% commission ‘cap’ agreed by the GAP distributor. This is exactly the kind of incentive structure that has been discovered and […]
September 12, 2025 Daniel Lee Barclays’ FOS U-turn? What dropping the judicial review would mean for fair redress Barclays has withdrawn its legal challenge against the Financial Ombudsman Service (FOS) decision, which upheld a client’s complaint about motor finance mis-selling. Having lost at the High Court Barclays had sought to challenge the decision at the Court of Appeal despite their […]
