SI 2026/1040 pushed the DMCCA ADR transitional period to 7th January 2027. Subscriptions slipped again. Motor finance is suspended. Three protections due this autumn are not in force. The question is whether you cite the law that commenced or the law that was announced.
The 30th September 2026 motor finance deadline is everywhere this week and it is not in force. The suspension is partial: lenders cannot pay, but they must still identify complaints and gather commission data. Your evidence base is being built right now. Here is how to make sure you have your own.
Under the PAC's soft finding is a sharper one from the NAO: regulators are not effectively signposting consumers to the ombudsman at the moment the protection becomes live. The intermediary market that fills the gap performs worse on the FOS numbers than consumers who go direct. Here is what to do.
Aviva and Marshmallow both avoided motor policies and kept the premium. The statute sends one of those premiums back by default. The difference is which box the misrepresentation lands in, and under section 5(4) of CIDRA 2012 the burden sits on the insurer. Here is how to use it.
FOS received 53,600 new complaints in Q1 2026/27, down from 68,000. Ofcom's broadband complaints hit a record low. Both measure escalations, not harm. The uphold rate went in the opposite direction: 30 per cent excluding motor finance. The share of complaints with merit is up.
On 28th August the CMA confirmed heating oil compensation, but only if your supplier opted in and the regulator will not publish the list. Three days later the motor finance scheme hits a deadline for firms to find consumers who never complained. The variable is whether participation is compulsory.
The 2nd July Tribunal order suspended only the paying half of the motor finance redress scheme. Lenders must still send rejection letters by 18th November 2026 or 18th January 2027. A rejection is a final response, which opens the one door the scheme otherwise shut: the Financial Ombudsman.
On 8th July Ofcom fined Virgin Media £28 million for hold music, call-dropping and repeated transfers that prevented customers cancelling. Four regulators have now arrived at the same place: the runaround is a breach in its own right, with its own evidential requirements and its own compensation.
On 2nd July the Upper Tribunal suspended parts of the FCA's motor finance redress scheme, which many people read as 'nothing to do'. The suspension is narrow. It stopped the lender's clock. It did not stop the six-month DISP window on yours, or the 31st August Scheme 1 deadline.
Blue Motor Finance went into administration on 30th July, pre-packed to Hodge within hours. The FCA has said redress claims against it are unlikely to be paid in full. The loan book moves to the buyer, the liability stays with the estate, and motor finance claimants have no FSCS to catch them.
In June alone the regulators had 170 misleading car finance claims adverts pulled, taking the total to 1,200 since January 2024. The claim being sold is free to enter and, since the 2nd July Tribunal suspension, paying nobody. That is why the ads are dropping faster than firms can post them.
The Buy Now Pay Later coverage read like a finish line. The policy statement tells a narrower story: only agreements dated 15th July onward are regulated, and only where a third party lent the money. Balances already in the app are as covered as they were the day before.
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3.6 million people have lodged a car finance complaint through MSE's reclaim tool. The scheme is suspended, no money has moved, and the earliest realistic payout is 2027. Lodging is the cheap part. What decides these cases is what you do in the months after the click.
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On 2nd July the Upper Tribunal suspended parts of the FCA's motor finance redress scheme, and the coverage read as if consumers now had nothing to do until 2027. That is correct about the scheme, wrong about you. The direct complaint route is untouched and live.
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On 17th June the government decided the Energy Ombudsman should be able to force suppliers to pay. Three separate parts of the consumer system moved on the gap between winning a case and being paid. Here is what that means if you have a ruling that has not yet turned into money.
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The 30th June date is the FCA's implementation deadline for the lenders, not a deadline that applies to consumers. The scheme itself is paused under four legal challenges. The claims firms know that, and are billing for it anyway.
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On 11 June the FCA updated its firm guidance for the motor finance redress scheme. Payments slip to November, but the scheme is built to find you, and the regulator is methodically dismantling the claims firms positioned to charge for standing next to it. Here is what to do before 30 June.
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FOS caseload fell to 214,600 in 2025/26. The cases that still get through are upheld more often. The filtering effect, and what it means if you do your own complaining.
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At 00:01 on Sunday morning the FCA's two-year motor finance pause ends. Final response letters resume four weeks before the PS26/3 scheme opens. Here is how to avoid the bad settlement.
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The Lords have asked whether the FCA and FOS are working. The rest of the week's news already answered. Here is what the data says, and what it means for a live case.
weekly-roundup
A quieter week with one strategic story for anyone watching how AI shows up in financial services, an FCA enforcement signal worth taking literally, fresh British Gas compensation tiers from £40 to £1,000, and a Dunelm doorstop recall over asbestos in the sand filling.
27th April 2026 | Industry Watch This week's headline: the FCA's £9.1bn motor finance redress scheme is heading to the Upper Tribunal, but you should still complain now. Plus a £19.6m client-money settlement, the FCA's first crypto enforcement, and an asbestos recall
Industry Watch
The FCA's global Week of Action against illegal finfluencers ended yesterday with a guilty plea, 1,267 illegal adverts pulled, and 17 regulators in lockstep. The CMA used its new fining powers for the first time, hitting drip pricing with £4.2m in penalties. Westfield warned customers about a cyber
28th April 2026 | Industry Watch Claire's UK Collapse: What Customers Need to Know Claire's Accessories closed all 154 of its UK and Ireland standalone stores on 27th April with around 1,300 redundancies. Private equity owner Modella Capital appointed Kroll as administrator. The 356 concessions inside