Financial Ombudsman
Driving & Transport
Vehicle written off undervalued by insurer
If an insurer’s write-off valuation won’t buy a like-for-like replacement, a structured evidence pack and a formal complaint usually shifts the offer. This explains the practical UK steps and when to escalate.
Services & Contracts
Chargeback reversed after merchant dispute
If a chargeback has been reversed after the merchant disputes it, act quickly to get the bank’s reason, rebut the key evidence, and switch route if needed.
Services & Contracts
Credit provider delays Section 75 decision
If your credit provider is delaying a Section 75 decision, treat it as a complaint about delay, pin down what evidence is missing, and set a decision date. Escalate through the formal complaints route and then to the ombudsman process if the delay continues.
Services & Contracts
Claim closed without decision
If a business closes a claim without a decision, a written reopen request and a deadline usually gets a proper final response or a clear route to escalate.
Money & Legal
Frozen bank account issue
If your UK bank account is frozen, act quickly to get a clear reason, submit the right evidence once, and use the bank’s complaints route to force a timeline. This page explains how to stabilise essentials and when to escalate.
Money & Legal
Bank refusing chargeback
If your bank refuses to raise a chargeback, treat it as a formal complaint, tighten the evidence bundle, and set a clear deadline for a final response so you can escalate.
Services & Contracts
Section 75 claim explained
If a credit card purchase goes wrong and the seller won’t fix it, Section 75 can make the card provider equally responsible. This explains eligibility, evidence, and how to escalate a refusal.
Services & Contracts
Chargeback vs Section 75
Section 75 is a legal right for many credit card purchases £100–£30,000, while chargeback is a card-scheme process that can still be worth trying. This explains which to use, what evidence helps, and when to escalate.
