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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 […]
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 […]
