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April 14, 2026 
Daniel Lee FOS can no longer say it wasn’t told about GAP At last, albeit long overdue, we have now received a response from the Financial Ombudsman Service (FOS) confirming that our concerns and evidence regarding GAP insurance have been put before James Dipple-Johnstone, and that we are to expect a response shortly. Our understanding of “shortly” […]
April 14, 2026 Daniel Lee Good riddance, MotoNovo. If redress is too much for you, the door is that way FirstRand, trading as MotoNovo, is quitting the UK motor finance market and, incredibly, wants to leave with a lecture about how the FCA’s redress scheme is “deeply flawed” and goes too far. The sheer nerve. This is a lender walking […]
March 31, 2026 Daniel Lee The wave is coming: GAP can’t be kept quiet any longer We have said it for a long time. GAP is the next mis-selling scandal. Now the motor finance redress scheme has made it even harder for the FCA, FOS and the industry to keep GAP complaints quiet. We said it when the industry was […]
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 […]
