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February 27, 2026 
Daniel Lee How the FCA Turned Motor Finance Redress Into Damage Limitation There’s a moment in most national scandals when you start to realise the system isn’t trying to fix the problem, it’s trying to manage the fallout. In the UK’s motor finance commission scandal, that is happening now. The Financial Conduct Authority (FCA) has publicly acknowledged […]
February 23, 2026 Daniel Lee The FCA Radio Ad That Tells Consumers to “Wait” (While the Clock Keeps Ticking) There’s a new Financial Conduct Authority (FCA) financed radio advert doing the rounds telling consumers three things: Wait Don’t use a representative If you want “100% of the facts”, go to the FCA If you’re the sort of person who enjoys […]
February 17, 2026 Daniel Lee The 73.6% GAP Commission: The Dealership’s “Fair Value” Must Be a Typo There’s confidence… and then there’s audacity. We recently had a dealership attempt to reject our GAP insurance complaint despite the fact it retained 73.6% of the customer’s payment for the product as pure commission. Let that sink in. Not “a healthy margin.” Not […]
February 17, 2026 Daniel Lee The PCP Cold Call That Lasted Exactly Until I Mentioned TPS Today (Tuesday 17th February 2026) I received an unsolicited call from a firm trying to sign me up for a PCP claim. The caller faces a number of problems: My mobile number is registered with the Telephone Preference Service (TPS) – the UK’s official […]
February 11, 2026 Daniel Lee The Real Reason Lenders Are Kicking Off About the FCA’s Motor Finance Redress Scheme Lenders and their trade bodies are currently doing what lenders do best when compensation is due… clutching pearls, warning of “market disruption”, and hinting darkly that the sky will fall on the UK car market if the FCA presses ahead with […]
February 10, 2026 Daniel Lee FOS Training? What Training? When the Investigator Asks Us for the File… There’s a particular kind of institutional decline that doesn’t arrive with a bang. It arrives with an email. Polite. Earnest. Completely, catastrophically wrong. This week, we had a fresh batch of examples of what can only be described as the Financial Ombudsman Service […]
