
Who Do You Complain to When the ICO Breaks the Rules? The Information Commissioner’s Office (ICO) is supposed to be the guardian of data protection rights in the United Kingdom. It tells businesses how they must handle personal information. It publishes guidance about Data Subject Access Requests (DSARs). It receives complaints when organisations fail to […]

MoneyWay Says It Never Finances GAP. Its Own Evidence Says Otherwise. A false denial, inadequate lending controls and yet another attempt to hide behind limitation There are complaint responses that avoid the issue, and then there are complaint responses that expose the entire problem. MoneyWay has told us: “MoneyWay do not provide or finance GAP […]

The FCA, FOS And The Trust Problem Nobody Wants To Talk About There is a growing trust problem around both the Financial Conduct Authority and the Financial Ombudsman Service, and while much of the debate usually, and justifiably focuses on delays, poor decisions, weak regulation, inconsistent outcomes and a general failure to act quickly enough […]

Advantage Finance Discloses the GAP Commission – Only After Its Conduct Is Reported to the FCA There are moments in complaint handling when a firm’s position tells you almost everything you need to know. Advantage Finance had every opportunity to deal with our client’s GAP insurance complaint openly, fairly and transparently. It could have disclosed […]

“`html When a GAP Complaint Is Only Partially Upheld Before the Key Evidence Has Even Been Obtained Some complaint outcomes are disappointing. Others are far more concerning because they expose an investigation that reaches a conclusion before the most important facts were known. This is one of those cases. We recently dealt with a GAP […]

The FCA’s Letter To The Treasury Committee: A Regulator That Seems More Annoyed At Being Challenged Than At The Scandal Itself The FCA’s recent letter to the Treasury Committee should trouble anyone who still believes the regulator is approaching the motor finance scandal with the independence, urgency and consumer-focused determination that the situation demands. On […]