Common Problems
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573 problems
Most Common Problems
Flight Delayed? How to Claim Compensation (UK261)Parcel Marked Delivered But Not Received: What To DoShop Refused a Refund for a Faulty ItemLandlord Will Not Return My DepositChanged Your Mind About an Online Order? 14-Day Cancellation and RefundCan I Return Something Without a Receipt?Estimated or Wrong Energy BillTrain Cancelled or Delayed: Getting a Refund
Home and Delivery
Delivery Problems 7
Parcel Marked Delivered But Not Received: What To DoIf you bought from a shop or website, the goods stay at the seller’s risk…Royal Mail Lost or Damaged ParcelIf a Royal Mail item is lost or damaged, claims must be made within 80 days…Evri Lost or Damaged Parcel ClaimIf you bought the item from a shop or website, complain to the seller first…Order Not Delivered Within 30 DaysUnless you agreed otherwise, a trader must deliver without undue delay and…InPost Lost or Damaged ParcelConsumer Protection UK is independent and is not connected to InPostWrong Item or Missing Items DeliveredIf a business sends you the wrong item or part of your order is missing…Customs Charges When Buying From AbroadFor most goods you buy from abroad worth £135 or less, the seller includes…Energy and Water Bills 41
Energy Back-Bill: Do I Have to Pay for Energy Used Over 12 Months Ago?Energy suppliers generally cannot charge you for energy used more than 12…Estimated or Wrong Energy BillIf your energy bill is estimated or wrong, take a meter reading and ask your…Thames Water Complaint and CompensationComplain to Thames Water firstWhat Is a Deadlock Letter?A deadlock letter is a business’s final response to your complaint, saying…How Long Does a Company Have to Reply to a Complaint?It depends on the sectorWater Bill Too High: How to ComplainStart by telling your water company what is wrong with your billEnergy Complaint Not Sorted After 8 WeeksIf your energy complaint is not resolved within 8 weeks, or you get a…Which Ombudsman Covers My Complaint?Most ombudsman and ADR schemes are free for you and need you to complain to…Octopus Energy Compensation: Guaranteed StandardsConsumer Protection UK is independent and is not connected to Octopus EnergyOVO Energy Compensation: Guaranteed StandardsConsumer Protection UK is independent and is not connected to OVO EnergyE.ON Next Compensation: Guaranteed StandardsConsumer Protection UK is independent and is not connected to E.ON NextEDF Compensation: Guaranteed StandardsConsumer Protection UK is independent and is not connected to EDFMissed Energy Appointment: £40 CompensationConsumer Protection UK is independent and is not connected to any energy…Energy Credit Refund After Switching or MovingConsumer Protection UK is independent and is not connected to any energy…Prepayment Meter Fitted Wrongly or Against Your WillOfgem rules say energy suppliers must not force a prepayment meter on the…Energy Supplier Went Bust: What Happens NowIf your energy supplier goes bust, your supply will not be cut off and your…Water Supply Interrupted: CompensationWater companies must give notice of planned interruptions (48 hours in…Smart Meter Not Working: Your RightsFrom February 2026, Ofgem says you automatically get £40 if you wait more…Low Water Pressure: CompensationWater companies must keep pressure at least at 7 metres head (0.7 bar) in…Sewer Flooding: Compensation From Your Water CompanyIf a public sewer floods inside your home, your water company should refund…Energy Bill for the Previous OccupierYou do not have to pay for energy that was used before you moved inWarm Home Discount Not ReceivedThe Warm Home Discount is a one-off £150 discount on your electricity bill…Energy Supplier Switched Without My PermissionIf you were switched to a new energy supplier without agreeing, tell your…Getting a Free Water MeterWater companies install meters for freeCan't Afford My Energy BillsIf you are struggling to pay your energy bills, ask your supplier to agree a…What Is the Priority Services Register?The Priority Services Register is a free list your energy supplier and…What Is the Energy Price Cap?The energy price cap is the maximum your supplier can charge for each unit…Leak on My Water Pipes: Who Pays?Your water company is responsible for the water main and the pipes from the…Help Paying Your Water Bill: Social Tariffs and WaterSureEvery water company has a social tariff that can reduce bills for people on…Power Cut CompensationIf your electricity is off for more than 12 hours (or 24 hours when over…Communal Heating (Heat Network) ProblemsIf your heating and hot water come from a communal or district heat network…Solar Panel Export Payments: Smart Export GuaranteeUnder the Smart Export Guarantee, some electricity suppliers must pay…What Is the Energy Ombudsman?The Energy Ombudsman is a free, impartial service for energy complaints your…What Is the Consumer Council for Water?The Consumer Council for Water (CCW) takes up water complaints for free once…Water Company Did Not Reply: The £40 PaymentIf your water company does not reply to a written account query or complaint…Energy Direct Debit Too HighCredit can build up on your energy account if you pay a fixed direct debit…WaterSure: Capped Water BillsWaterSure is a government scheme that caps the water bills of households…Energy Supplier Wants to Force a Prepayment MeterA supplier can install a prepayment meter without your permission only if…Do I Have to Accept a Smart Meter?You do not have to accept a smart meter if you do not want oneWarm Home Discount: £150 Off Your Electricity BillThe Warm Home Discount is a one-off £150 discount off your electricity billHome Energy Grants in 2026: Heat Pumps, Insulation and Council SchemesThe Boiler Upgrade Scheme gives £7,500 off a heat pump (or £9,000 for some…Faulty Goods and Refunds 48
Changed Your Mind About an Online Order? 14-Day Cancellation and RefundFor most online, phone and mail-order purchases from a business you can…Shop Refused a Refund for a Faulty ItemIf a shop will not refund a faulty item, check how long you have had itItem Became Faulty After 6 MonthsIf a fault appears more than 6 months after delivery, you still have rights…Tesco Refunds and ReturnsTesco says you can return a product within 30 days of purchase with proof of…Boots Refunds and Returns (Online Orders)Boots’ UK returns form for online orders says you can return items within 35…What Is Chargeback, and the 120-Day Limit?Chargeback is a way to ask your bank or card provider to reverse a card…Can I Get a Refund If I Changed My Mind?In a shop, you do not have an automatic right to your money back just…Things You Cannot Return When Buying OnlineMost online and phone orders from a business have a 14-day cooling-off…ASOS Returns and RefundsConsumer Protection UK is independent and is not connected to ASOSTemu Returns and RefundsConsumer Protection UK is independent and is not connected to TemuJD Sports Returns and RefundsConsumer Protection UK is independent and is not connected to JD SportsApple Store Returns and RefundsConsumer Protection UK is independent and is not connected to Apple StoreSamsung Shop Returns and RefundsConsumer Protection UK is independent and is not connected to Samsung ShopZara Returns and RefundsConsumer Protection UK is independent and is not connected to ZaraHalfords Returns and RefundsConsumer Protection UK is independent and is not connected to HalfordsFaulty App, Game or Download: Refund or FixDigital content you pay for, such as games, apps, e-books and in-game…Faulty Second-Hand Goods From a ShopYour rights when buying from a business apply to used goods as well as new…Warranty or Guarantee Claim RefusedA warranty or guarantee adds to your legal rights; it does not replace themRefund Not Received After Returning an ItemIf you cancelled an online, phone or mail-order purchase and returned it…Shop Cancelled My Order Over a Price MistakeIn a shop, you do not have the right to buy an item at a price that is a…Shop Says "Contact the Manufacturer"If a shop tells you to contact the manufacturer about a faulty item, you do…Cancel an Extended Warranty and Get a RefundCitizens Advice says you can usually cancel an extended warranty bought…Unsafe Product: What to Do and Who to TellIf a product is unsafe and could harm people, stop using it and report itProduct Recall (Not Cars): What to DoGOV.UK has an official product safety alerts, reports and recalls list where…Cancel an Online Course or Training Within 14 DaysIf you sign up online or by phone for a course or other service, you…Chargeback Refused by My BankChargeback lets you dispute a card payment in certain circumstances, usually…Vet Bill Too High: Your Rights and the New Vet RulesAfter its investigation into vets, the CMA made an Order in September 2026Faulty Goods Bought on Hire PurchaseIf you bought goods on hire purchase, the finance company you pay is…What Does "As Described" Mean?Goods you buy from a business must be as described, of satisfactory quality…What Is the Consumer Rights Act 2015?The Consumer Rights Act 2015 is the main UK law on buying goods, services…What Is Trading Standards and What Can It Do?Trading Standards is the local council service that enforces consumer lawWhat Is a Letter Before Action?A letter before action is a final letter telling a trader you will start…How Long Do I Have to Ask for a Chargeback?You usually have 120 days from realising there is a problem to ask your bank…Bought Fake or Counterfeit GoodsYou are legally entitled to a full refund on fake goods within 30 days of payingBought Something That Turned Out to Be StolenIf you think something you bought is stolen, call the police on 101 or take…A Product Damaged My Home or BelongingsIf a product damages your property through no fault of yours, you may be…Glasses or Contact Lenses Problem: Optical ComplaintsIf you have a problem with an optician, glasses or contact lenses, raise it…Online Gambling ComplaintIf you have a problem with a gambling business, use its own complaints…Charged More at the Till Than the Shelf PriceIf you paid more than the advertised price, you can return the item for a…Can I Return Something Without a Receipt?A receipt is not the only way to prove you bought somethingReturning an Unwanted Gift or Christmas PresentThere is no legal right to return a present just because you do not want it…No Refunds Sign in a Shop: Is It Legal?A shop does not have to give refunds when you simply change your mind, but…Bought in a Sale or on Black Friday: Your RightsGoods bought in a sale, including Black Friday deals, have exactly the same…Shop Offered a Credit Note Instead of a RefundIf you are entitled to a refund for a faulty item, the trader must pay it…What Are My Statutory Rights?Your statutory rights are the legal rights you get when you buy from a…How to Write a Complaint Letter That WorksA good complaint is short, polite and specificCharged Extra for Paying by Card: Is It Legal?Since 13 January 2018 it has been unlawful for UK businesses to charge you…Faulty Item Broke Again After a RepairIf a faulty item has already been repaired or replaced once and it is still…Furniture and White Goods 7
Faulty or Damaged Furniture and SofasIf furniture is faulty or arrives damaged, complain to the retailer: it is…Appliance Installed WronglyIf the shop installed an appliance, or arranged the installation, it is…Delivered Damaged, but I Signed for ItSigning for a delivery does not waive your legal rightsShop Went Bust Before Delivering My OrderIf a retailer goes into administration before delivering, your protection…Section 75 or Chargeback: Which Should I Use?Section 75 covers a single item costing over £100 and up to £30,000 bought…IKEA Returns and RefundsConsumer Protection UK is independent and is not connected to IKEAHow Long Does a Shop Have to Refund Me?Once a trader agrees you are entitled to a refund for faulty goods, it must…Home Improvements and Traders 23
Builder or Trader Did Poor WorkWork by a builder or tradesperson must be done with reasonable care and skillCancelling Home Improvement Work Within 14 DaysIf you agreed building, decorating or other home improvement work at your…Builder Taking Too Long or the Price Went UpIf no time was agreed, building work must be done within a reasonable time…What Does TrustMark Mean for a Trader?TrustMark registered businesses are vetted and monitored by scheme providers…Cancel Something You Agreed to at Home: 14 DaysIf you agree a contract at home, for example with a salesperson at your…Builder Took My Deposit and DisappearedIf a builder takes your deposit and does not do the work, write to them…Repair Took Too Long or Was Done BadlyServices must be carried out with reasonable care and skill, and, if no time…Removals Company Damaged My ThingsA removals company must carry out its service with reasonable care and skillDouble Glazing, Windows or Doors ProblemNew windows and doors must be fitted with reasonable care and skillDry Cleaner Damaged My ClothesA dry cleaner must carry out its service with reasonable care and skillRepair Shop Lost or Damaged My Phone or LaptopA repair shop must carry out its service with reasonable care and skillCan I Cancel a Contract I Signed in a Shop?The 14-day right to cancel covers contracts made at your home, by phone or…New-Build Home Defects: The New Homes OmbudsmanIf you have problems with a new-build home, start with the developer's…Private Dentist ComplaintIf you are unhappy with private dental treatment, raise it with the practice…Solicitor Complaint: The Legal OmbudsmanIf you are unhappy with a solicitor or conveyancer, complain to them first…Photographer or Event Supplier Did Not DeliverA photographer, caterer or other event supplier must carry out the service…Heat Pump or Solar Panels Not WorkingIf your installer is a member of the Renewable Energy Consumer Code (RECC)…Private Hospital or Cosmetic Surgery ComplaintComplaints about private healthcare usually follow three stages: complain to…Home Care or Care Home ComplaintThe Local Government and Social Care Ombudsman looks at complaints about all…Cancellation Fee or Lost Deposit: Is It Fair?If you cancel a contract, a business can usually only keep or charge enough…No Price Agreed for a Service: What Is Reasonable?If you did not agree a price for a service before it was done, the law says…High Hedges and Overhanging Trees: Neighbour DisputesYou can trim branches or roots that cross into your property from a…Party Wall Notices: When Your Neighbour Builds Next DoorIf your neighbour plans work covered by the party wall rules, they must give…Online Marketplaces 8
eBay Money Back GuaranteeOn eBay UK, the Money Back Guarantee covers items paid for through eBay…Amazon A-to-z Guarantee ClaimAmazon’s A-to-z Guarantee covers items sold and dispatched by third-party…PayPal Buyer Protection DisputePayPal Buyer Protection can refund the full price plus original postage if…Vinted: Item Not as DescribedIf a Vinted item is not as described, report it quickly: Vinted’s refund…Facebook Marketplace Purchase ProtectionFacebook Marketplace’s free Purchase Protection covers eligible orders…Fake Reviews: What You Can DoFake reviews are banned, including paying for or commissioning them, and…Bought From an Overseas Website: Your RightsIf you buy from a seller based abroad, your rights might be different from…Do I Have to Pay Return Postage?If you return something bought online from a business because you changed…Rent and Deposits 62
Landlord Will Not Return My DepositIn England, your landlord or agent must protect your deposit in an approved…Rent Increase: Is It Allowed? (England)In England, rent increases are limited to once a year, using a section 13…Landlord Did Not Protect My DepositIn England, your landlord or agent must put your deposit in an approved…Claiming Back a Banned Tenant FeeIn England, most fees charged by landlords and letting agents are banned…Holding Deposit Not ReturnedA holding deposit can be no more than one week's rentDamp and Mould: Landlord Will Not Fix ItTell your landlord about damp and mould in writing and keep paying rentLeasehold Service Charges Too HighIf you are a leaseholder, you can ask for a summary showing how your service…Council Tax Band Wrong: How to Challenge ItCouncil tax bands are based on property values on 1 April 1991 in England…Complaining About a Letting AgentLetting agents and property managers in England must belong to a…Section 8 Eviction Notice: What It Means NowSince 1 May 2026 landlords in England can no longer use "no fault" section…Landlord Changed the Locks or Evicted Me IllegallyIt is a crime for a landlord to harass you or remove you without following…Rent Repayment Orders: Getting Rent BackA rent repayment order can make a landlord repay rent when they have…Landlord Has No Gas Safety CertificateYour landlord must have a registered Gas Safe engineer carry out an annual…Smoke and Carbon Monoxide Alarms in a Rented HomeYour landlord must fit a smoke alarm on each floor of your home, and a…Social Housing Complaint: Using the Housing OmbudsmanCouncil and housing association landlords must have a two-stage complaints…Estate Agent Problems When Selling a HomeIf you are unhappy with an estate agent, follow its complaints procedure firstHow Much Deposit Can a Landlord Take?In England, tenancy deposits are capped at 5 weeks' rent, or 6 weeks if…Landlord Entering Without PermissionYour landlord should usually give you at least 24 hours' written notice…Landlord Won't Do RepairsYour landlord is always responsible for repairs to the structure and…Council Tax Single Person DiscountYou get 25% off your council tax bill if you live on your own, or if…Noisy Neighbours: What You Can DoTry to sort out a noise problem by talking to your neighbour firstLandlord Served a Section 21 Notice: What Now?Landlords in England cannot serve a section 21 notice on or after 1 May…Landlord Refuses Tenants on Benefits or With ChildrenLandlords and letting agents in England must not refuse you, put you off, or…Rental Bidding: Offers Above the Advertised RentIn England, landlords and letting agents must advertise a specific rent, not…Landlord Asking for Rent in AdvanceIn England, a landlord or agent must not accept, ask for or encourage rent…Asking Your Landlord If You Can Keep a PetAsk your landlord in writing, describing the petEnding Your Tenancy: Giving Notice in EnglandFor an assured periodic tenancy you can give notice in writing, and…Joint Tenancy: One Tenant Wants to LeaveIf you share a joint tenancy, one tenant can usually give notice without the…Rent Guarantors: What They Are and What If You Have NoneA guarantor agrees to pay your rent if you do not, and may have to pay for…Landlord Wants to Sell or Move In: Your RightsA landlord in England can seek possession because they want to sell or move…Rent Arrears and a Possession Notice: What HappensIf you fall behind with rent, your landlord can serve a section 8 noticeUnlicensed HMO: Your Rights as a TenantA home is a house in multiple occupation (HMO) if at least 3 tenants from…Electrical Safety Checks in a Rented HomeLandlords of private rented homes in England must have the electrical…Mice, Rats or Pests in Your Rented HomeThe landlord is probably responsible for pests if your agreement says so…Asking the Council to Inspect Your Rented HomeReport the problem to your landlord in writing first, with photosRight to Rent Checks: What the Landlord Can Ask ForBefore you can rent in England, you need to prove your right to rent to your…Written Terms and the Renters' Rights Information SheetLandlords had to give existing tenants the government's Renters' Rights Act…Awaab's Law: Social Landlord Deadlines for Damp, Mould and EmergenciesAwaab's Law covers most council and housing association tenants in EnglandSocial Landlord Complaint: Stages and Time LimitsReport the problem as a service request firstCompare Your Social Landlord: Tenant Satisfaction MeasuresTenant Satisfaction Measures (TSMs) are 22 measures: 12 tenant perception…Applying for Council Housing: The Waiting ListYou apply for council housing through your local councilLeasehold Reform: Lease Extensions and Ground RentThe Leasehold and Freehold Reform Act 2024 changes how lease extensions and…Unsafe Cladding: What Leaseholders Do Not Have to PayIf you have a qualifying lease in a relevant building with unsafe cladding…Shared Ownership and Leasehold: Who to Complain ToThe Housing Ombudsman can look at how a social landlord handled a service…Rent Higher Than Your Benefit Covers: Housing PaymentsDiscretionary Housing Payments (DHPs) ended in England on 31 March 2026Homeless or About to Be? What Your Council Must DoYou are threatened with homelessness if you are likely to become homeless…Intentional Homelessness and Rent Arrears: What It MeansA council may find you intentionally homeless only if you deliberately did…Council Tax: Disabled Band Reduction and Mental Impairment DiscountThe Disabled Band Reduction Scheme drops your Council Tax to the next lowest…Checking Who Owns a Property: Land Registry FeesYou can download a property summary for free and the title register or title…Renting a Room in Your Landlord's Home: Lodger RightsYou are a lodger if you rent a room in your landlord's home and your…Student Halls Problems: Codes of Practice and How to ComplainUniversity halls must belong to a government-approved code or be licensed by…Park Home Owners: Pitch Fees, Selling and DisputesThe park owner can propose a pitch fee change once a year with 28 days'…Local Housing Allowance: Why Your Housing Benefit Does Not Cover the RentLocal Housing Allowance (LHA) sets how much Housing Benefit or Universal…Landlord Harassment: What Counts and What to DoIt is a crime for your landlord to harass you or try to remove you without…How to Report a Private Landlord to the CouncilGOV.UK says to complain to your landlord first using their complaints…Is Your Home Overcrowded? The Legal TestsThere are two legal testsRight to Buy: Discounts and Rules Since November 2024For applications from 21 November 2024, the maximum Right to Buy discount is…Swapping Your Council or Housing Association Home: Mutual ExchangeA mutual exchange lets social tenants swap homes, but you need your…Taking Over a Council Tenancy When the Tenant DiesA spouse or civil partner living in the home as their only or main home can…EPC Rules for Rented Homes: E Now, C by 2030Private rented homes must have an EPC rating of at least ENo Heating or Hot Water in Your Rented HomeLandlords are always responsible for heating and hot water, and for gas…Landlord Register and Landlord Ombudsman: What Is ComingUnder the Renters' Rights Act, landlords will have to register themselves…Buying and Selling A Home 1
Estate Agent Fees and Contract Tie-InsWhen you sell through an estate agent you sign a legally binding contract…Takeaways, Restaurants and Food Delivery 1
Takeaway or Restaurant Gave Wrong Allergen InformationRestaurants, cafés and takeaways must give you allergen information about…Travel, Holiday and Events
Flights 18
Flight Delayed? How to Claim Compensation (UK261)If your flight reached its final destination more than 3 hours late and the…Flight Cancelled? Refund, Re-Routing and CompensationIf an airline cancels your flight you can choose a refund for the unused…easyJet Delay CompensationIf your easyJet flight arrived more than 3 hours late, or was cancelled with…Wizz Air Delay CompensationIf your Wizz Air flight arrived more than 3 hours late, or was cancelled…Ryanair Refund for a Cancelled FlightIf Ryanair cancels your flight, you can choose a refund for the unused parts…Extraordinary Circumstances: When Airlines Do Not PayAirlines do not have to pay delay or cancellation compensation if the cause…Missed Connecting Flight: CompensationIf you miss a connection on a single booking, your compensation is judged by…Flight Delayed: Food, Drinks and a HotelOnce a delay reaches 2 hours (under 1,500 km), 3 hours (1,500 to 3,500 km)…Time Limit to Claim Flight CompensationClaim from the airline firstLost, Delayed or Damaged Luggage: How to ClaimIf an airline loses, delays or damages your checked bag, report it at the…easyJet Cancelled Flight: Refund, Voucher or New FlighteasyJet says if it cancels your flight you can switch to another flight…Flight Downgraded: Getting Part of the Fare BackIf an airline moves you to a lower class than you booked, UK law says you…Denied Boarding on an Overbooked Flight: CompensationIf you are bumped off a flight against your will after checking in on time…Airline Went Bust: Getting Your Money BackIf your airline goes bust, how you get your money back depends on how you bookedHelp at the Airport for Disabled PassengersIf you are disabled or have reduced mobility, you are legally entitled to…What Is UK261?UK261 is the UK law on flight delays, cancellations and denied boardingWheelchair or Mobility Aid Damaged on a FlightAirlines are liable for damage to mobility equipment, but the CAA says…Passport Rules for Europe: The 10-Year and 3-Month RulesFor most EU countries in the Schengen area, a UK passport must have been…Hotels and Short Stays 4
Hotel or Short Stay Not as DescribedA hotel stay or holiday rental must be provided with reasonable care and skillAirbnb Refund Policy: Cancellations and ProblemsConsumer Protection UK is independent and is not connected to AirbnbBooking Site or Hotel Cancelled My StayIf a hotel or holiday rental cancels your stay, ask the hotel and the…Booking Sites Saying "Only 1 Room Left": Is It Allowed?Booking sites should not make false or misleading claims about popularity or…Package Holidays and Hotels 12
Holiday Company Went BustIf your package holiday company goes bust, check whether your booking had…Package Holiday Not as Described: CompensationIf your package holiday is not as described, the organiser is responsible…Package Holiday Price Rise After BookingA package holiday price rise must be notified at least 20 days before the…Package Holiday Cancelled or ChangedIf the holiday company makes a significant change, for example a different…Is My Holiday a Package Holiday?You likely have a package holiday if you booked two or more travel services…loveholidays Refund: Cancelled Flights and Holidaysloveholidays says that if your flight is cancelled it may offer you an…Ferry Delayed or Cancelled: Your RightsIf your ferry is delayed by 90 minutes or more, you should be offered…Cruise Cancelled or Changed: RefundA cruise sold with flights or hotels, or as a package, is usually a package…What Is ATOL Protection?ATOL is a UK scheme that protects trips that include flights, such as…Ill Abroad: Using Your GHIC or EHICA UK GHIC or EHIC gives you access to medically necessary state healthcare…Can I Cancel a Package Holiday Before I Go?You can end a package holiday at any time before it starts, but you may be…Lost or Stolen Passport AbroadIf you are abroad and need to travel urgently, you can apply for an…Tickets and Events 9
Event Cancelled or Moved: Getting a Ticket RefundIf an event is cancelled, moved or rescheduled, you can get a refund from an…Resale Ticket ProblemsWhen you buy a resold ticket online, the seller and the resale site must…Hidden Fees and Drip Pricing Are BannedSince 6 April 2025, drip pricing has been banned: a seller must show the…Pressure Selling and Fake Countdown ClocksFalsely saying an offer is only available for a limited time to rush your…StubHub Refund for a Cancelled EventConsumer Protection UK is independent and is not connected to StubHubBought Fake Concert or Event TicketsIf you think tickets you bought are fake, report it straight away and tell…What Is STAR for Tickets?STAR is the Society of Ticket Agents and RetailersCan I Get a Refund If I Cannot Go to an Event?If you change your mind or cannot go, you are not entitled to a refundCan I Resell Tickets I Cannot Use?Whether you can resell a ticket depends on the event's terms, so check them…Train Delays 10
Train Delay Repay Claim RejectedDelay Repay lets you claim compensation from the train company that ran your…Eurostar Delay CompensationConsumer Protection UK is independent and is not connected to EurostarTrain Cancelled or Delayed: Getting a RefundIf your train is delayed or cancelled and you choose not to travel, National…Trainline Refund: Cancelled Trains and FeesTrainline says if your train is cancelled and you choose not to travel, you…Coach Delayed or Cancelled: Your RightsOn regular coach services of 250 km or more, if the coach is cancelled or…Train Season Ticket RefundYou can get a refund on a monthly or longer season ticket if at least 7 days…Bus Cancelled or Unreliable: How to ComplainIf your bus or coach service lets you down, complain to the operator first…What Is the Rail Ombudsman?The Rail Ombudsman is a free, independent service for complaints about train…What Is Delay Repay?Delay Repay is the compensation scheme most train companies run when your…Train Penalty Fare: How to AppealA rail penalty fare is £100 on top of the single fare, reduced to £50 if you…Buses, Coaches, Ferries and Taxis 1
Free Bus Pass for Older PeopleIn England you can get a free bus pass when you reach State Pension ageSubscriptions and Contracts
Broadband, Phone and Mobile Contracts 27
Broadband Down or Engineer No-Show? Automatic CompensationIf your home broadband or landline is not fixed after 2 full working days…Phone or Broadband Price Rise: Can I Leave?If your phone, broadband or mobile provider raises your price by more than…Broadband Slower Than PromisedIf your broadband is slower than you were promised, check whether your…What Is ADR, and Is It Free?ADR (alternative dispute resolution) means an independent scheme, such as an…Broadband Social Tariffs: Cheaper Deals on BenefitsIf you are eligible for a social tariff, for example because you receive…My Provider Changed My Contract: Can I Leave?Phone and broadband providers can change contract terms, but they must give…Switch Mobile Network by Text (PAC and STAC)To switch mobile network, text PAC to 65075 to keep your number, or STAC to…How to Cancel EEEE says you need to give at least 30 days' notice to leave if you are not…How to Cancel O2O2 says it needs 30 days' notice to cancel, through My O2 or by contacting…Phone Contract Early Termination Fee: How It Is Worked OutIf you leave a phone contract before the minimum term ends, you will usually…How to Cancel ThreeTo leave Three and keep your number, text PAC and your date of birth…Huge Phone Bill After My Phone Was Lost or StolenTell your provider as soon as possible, ideally within 24 hours, so it can…Phone or Broadband Contract Ending: What to DoYour phone or broadband provider must tell you your contract is ending…TV Licence Refund: When You Can Get OneTV Licensing says you can ask for a refund if you will not need your licence…Nuisance Calls and Scam Texts: How to Stop and Report ThemRegister free with the Telephone Preference Service to reduce marketing…Charged for Premium Texts I Did Not Sign Up ToIf you are being charged for premium rate texts, text STOP ALL to the number…Mobile Roaming Charges AbroadWhen you arrive in another country, your mobile provider must send you an…Landline Moving to Digital: What ChangesLandlines are moving to digital technology, which runs through your…Broadband or Landline Provider Went BustIf your broadband or landline provider goes out of business and no other…Mobile Phone Locked to a NetworkSince 17 December 2021, mobile companies in the UK have been banned from…What Are CISAS and the Communications Ombudsman?Every phone and broadband provider must belong to one of two free dispute…Can My Phone or Broadband Provider Change My Contract?Providers can change contract terms, but they must give you at least one…Unexpectedly High Mobile Bill: Bill LimitsSince 1 October 2018 all mobile providers must offer new and renewing…Problems Keeping My Number When SwitchingPhone providers must let you take your number with you when you switch, and…Broadband Switch Went Wrong: One Touch SwitchUnder Ofcom's One Touch Switch process you only need to contact your new…Phone or Broadband Contract Ending: Your RightsPhone, broadband and pay-TV providers must warn you between 10 and 40 days…No Decent Broadband? Your Right to Request ItIf your home cannot get broadband with at least 10 Mbit/s download and 1…Gym and Leisure Memberships 5
Gym Will Not Let Me CancelIf your gym will not let you cancel, check your contract firstUnfair Contract Terms: What You Can DoUnder the Consumer Rights Act 2015, a term in a consumer contract is unfair…Free Trial Turned Into a Paid SubscriptionIf a free trial has turned into a paid subscription you do not want, cancel…Gym Closed or Facilities Changed: Can I Cancel?If your gym makes a significant change to its facilities, closes or raises…Gym Raised Its Price Mid-ContractIf your gym puts your price up significantly during your contract, that may…Digital Content, Apps and Games 1
App, Game or Download Refund RefusedIf an app, game, download or in-game purchase is faulty, you are entitled to…TV, Streaming and the TV Licence 1
Getting TV Licence Letters When You Do Not Need OneIf you do not watch or record live TV on any channel or device, or use BBC…Cars and Motoring
Buying A Car 10
Faulty Used Car From a DealerA used car from a dealer must be of satisfactory quality, fit for purpose…Faulty Car Bought From a Private SellerWhen you buy a car from a private seller you have fewer rights than when you…Car Bought With Outstanding FinanceIf the car you bought turns out to have outstanding finance, a private buyer…Returning a Car Bought Online or by PhoneIf you buy a car from a dealer online or by phone, you generally have 14…Car Warranty Claim RefusedA car warranty adds to your legal rights; it does not replace themMy Car Has Been Recalled: What to DoIf your vehicle is recalled for a safety reason, the manufacturer will…Car Tax Refund From the DVLAWhen you sell, scrap, export or declare a vehicle off the road (SORN), the…Electric Car Charging Point ProblemsSince 24 November 2023, public charge points must show prices in pence per…Driving Test Cancelled by DVSA: Claiming ExpensesIf DVSA cancels your driving test with less than 3 full working days'…Driving Instructor ComplaintYou can complain to DVSA if your driving instructor gives shorter lessons…Car Finance Complaints 5
Car Finance Compensation: Do I Need a Claims Company?You do not need a claims management company or law firm to complain about…Car Finance Offer: Accept or Challenge?If your lender offers you redress under the FCA's motor finance scheme, you…What Is the Car Finance Redress Scheme?The FCA's motor finance redress scheme covers agreements taken out between 6…When Will Car Finance Compensation Be Paid?On 2 July 2026 the Upper Tribunal suspended parts of the car finance redress…How Do I Find My Old Car Finance Lender?To find an old car finance lender, check old bank statements, contact the…Car Hire 5
Car Hire Damage Charge DisputeIf a car hire company charges you for damage, ask to see the evidence of the…Car Hire Deposit Hold Not ReleasedA pre-authorisation hold on your card should be released promptly if there…Car Hire Extra Charges at the DeskRental desks often sell extrasWhat Is the BVRLA Conciliation Service?The BVRLA Conciliation Service helps with unresolved complaints about UK car…What Is the European Car Rental Conciliation Service?The European Car Rental Conciliation Service can help with unresolved…Car Repairs and Garages 6
Garage Did a Bad RepairCar repairs must be done with reasonable care and skillGarage Charged More Than the QuoteIf a garage charges more than was agreed, complain to the garage first with…Disagree With an MOT ResultIf you disagree with an MOT result, do not have repairs made until the…Garage Damaged My CarIf a garage damages your car, it is often one person's word against…Garage Will Not Release My Car Until I PayIf you need to settle a garage bill to get your car back, you can pay it and…What Is The Motor Ombudsman?The Motor Ombudsman handles complaints about garages and dealers signed up…Parking Fines 10
Private Parking Charge: How to AppealIf you get a private parking charge, appeal to the parking operator firstCouncil Parking Ticket: Challenge or Pay the 50% DiscountA council parking ticket (PCN) is normally reduced by 50% if you pay within…Parking Charge When I Was Not the DriverIn England and Wales, a private parking operator can only pursue the…Clamped or Towed on Private LandIn England and Wales it is a criminal offence to clamp, tow or block in a…Clean Air Zone Fine: How to Challenge ItFor Clean Air Zones outside London, such as Bristol, the penalty is sent by postBus Lane or Yellow Box Fine: How to Challenge ItBus lane and yellow box penalties from councils follow the council PCN…Dart Charge Penalty: How to Pay or ChallengeYou must pay the Dartford Crossing charge by midnight the day after you crossWhat Is POPLA?POPLA (Parking on Private Land Appeals) is the free independent appeals…What Is the Independent Appeals Service (IAS)?The Independent Appeals Service (IAS) hears appeals against private parking…ULEZ Penalty Charge: How to Challenge ItIf you get a ULEZ penalty charge notice, you have 28 days from the date it…Money, Scams and Insurance
Banking Scams and Fraud 29
Bank Refused to Refund a ScamIf you were tricked into making a UK bank transfer (Faster Payments or…Payment I Did Not Make: Getting a RefundIf a payment was made without your permission, contact your bank within 13…Monzo Scam Refund: Getting Your Money BackConsumer Protection UK is independent and is not connected to MonzoRevolut Scam Refund: Getting Your Money BackConsumer Protection UK is independent and is not connected to RevolutBought From a Fake Website: Getting Your Money BackIf you paid a website that turns out to be fake, contact your bank or card…Copycat Government Websites: Passports, ETAs and DVLASome websites charge extra for government services that are cheaper or free…Stop a Card Payment That Keeps Taking MoneyIf a business keeps taking money from your card, ask your card issuer to…Bank Closed My AccountA bank must give you reasonable notice before closing your account; check…Recovery Scams: Offers to Get Back Money You LostRecovery room scams target people who have already lost moneyCash Machine Did Not Give Me My MoneyIf a cash machine did not give you your money but your account was debited…Direct Debit Taken Wrongly: The Direct Debit GuaranteeUnder the Direct Debit Guarantee, if an error is made in a payment, you are…Sent Money to the Wrong Account by MistakeIf you send money to the wrong account by mistake, contact your bank…Someone Took Out Credit in My NameIf someone has used your identity, contact your bank and ask it to hold…What Is the Financial Ombudsman Service?The Financial Ombudsman Service settles complaints about banks, lenders…Bank Account Frozen or Payments BlockedBanks may freeze an account if they spot unusual activity that could be…Money in an Old or Dormant Bank AccountYou can search for lost bank, building society and NS&I accounts with My…Crypto Investment Scam or Exchange CollapseMost crypto activities are not regulated in the UK, and you will not be…A Company Lost My Data (Data Breach)If a company tells you your data was in a breach, ask it what happened and…Company Ignored My Request for My DataYou can ask an organisation for a copy of the personal information it holds…Marketing Emails That Won't StopOrganisations can only send marketing emails in set circumstances, for…What Is the Bank Transfer Scam Reimbursement Scheme?If you were tricked into making a UK Faster Payments or CHAPS bank transfer…What Does the ICO Do for Consumers?The Information Commissioner's Office (ICO) is where you can complain if an…Stop a Recurring Card PaymentRecurring card payments, also called continuous payment authorities, let a…Overdraft Charges: What Banks Can ChargeSince April 2020, banks and building societies must price overdrafts with a…Pension Scams: Spot and Report ThemCold calling about pensions has been banned since January 2019, so an…Online Account Hacked: What to DoIf an online account has been hacked, use the provider's recovery process…Sent Money to the Wrong AccountIf you send a payment to the wrong account by mistake, contact your bank…Basic Bank Account: Who Can Get OneA basic bank account works like a normal current account for wages, benefits…HMRC Tax Refund Text or Email: Is It a Scam?HMRC will never send you a text about a tax rebate, and only emails about…Debt and Buy Now Pay Later 23
Section 75 Claim Refused: Next StepsSection 75 can let you claim from your credit card provider, or a regulated…Klarna Payment DisputeIf you have a problem with a Klarna payment, complain to Klarna firstBreathing Space: Pausing Debt CollectionBreathing Space gives temporary protection from creditors in England and…Missed a Buy Now Pay Later PaymentIf you miss a buy now pay later payment, the firm must contact you and…Buy Now Pay Later: Faulty Item or No RefundBuy now pay later agreements taken out from 15 July 2026 are regulated by…Mistake on My Credit File: How to Fix ItYou can get your credit file free from any of the three main credit…Debt Collector Harassing MeCreditors and debt collectors must follow FCA rulesHand Back a Financed Car Halfway: Voluntary TerminationIf your car is on hire purchase, you can return it early once you have paid…Loan I Could Not Afford: Complaining About LendingLenders must make reasonable and proportionate checks before lending, enough…Car Repossessed on Finance: The One-Third RuleWith hire purchase or conditional sale, the lender usually needs a court…Credit Card Persistent Debt LettersYou are in persistent debt if, over 18 months, you have paid more in…Debt Relief Order: Is It Right for Me?A Debt Relief Order (DRO) can cancel most of your debts after about a year…Behind on Your Mortgage: Getting HelpIf you are struggling with your mortgage, contact your lender as soon as…Is Buy Now Pay Later Regulated?Since 15 July 2026 the FCA has regulated buy now pay later (deferred payment…Behind on Council TaxIf you miss a council tax payment, your council sends a reminder giving you…Credit Card Limit Raised Without AskingCredit card firms agreed that customers can opt out of automatic credit…Guarantor Loan: Being Asked to PayIf you are asked to repay a loan you guaranteed, the Financial Ombudsman…Old Debt: Is It Statute Barred?Most debts become statute barred if 6 years pass since you last made a…Priority Debts: Which Debts to Pay FirstPriority debts are the ones that can lead to the most serious consequences…Bankruptcy: How to Apply and What HappensIn England and Wales you apply to make yourself bankrupt online and pay a…Individual Voluntary Arrangement (IVA): How It WorksAn IVA is a legally binding deal with your creditors to repay what you can…Debt Management Plans: How They WorkA debt management plan (DMP) is an informal agreement to repay your…Full and Final Settlement Offers and Debt Write-OffsIf you have a lump sum, such as from family or savings, you can offer a…Insurance Claims and Complaints 22
Insurer Rejected My ClaimInsurers must handle claims promptly and fairly and must not unreasonably…Insurer Delaying My ClaimThe FCA's rules say an insurer must handle claims promptly and fairly, give…Home Insurance Payout Too LowFor home insurance, a settlement should generally get you back to where you…Financial Ombudsman Time LimitsA business has up to 8 weeks to consider most complaints, and only 15 days…Car or Home Insurance Renewal Price Went UpSince 1 January 2022, insurers have been banned from quoting you a higher…Phone Insurance Claim RefusedInsurers must handle claims promptly and fairly and must not unreasonably…Pet Insurance Claim RefusedThe Financial Ombudsman Service says common pet insurance complaints include…Travel Insurance Claim RefusedMany travel insurance disputes involve medical conditionsBoiler Cover or Home Emergency Claim RefusedHome emergency cover pays for a call-out and repairs for specific…Car Written Off: Insurance Valuation Too LowWhen a car is written off, the insurer should pay its market value: what it…Car Insurance Claim RefusedInsurers must handle claims fairly and must not unreasonably reject themBreakdown Cover Did Not Turn Up or Took Too LongThe Financial Ombudsman sees complaints that a breakdown mechanic took too…Funeral Plan ProblemsSince 29 July 2022, pre-paid funeral plans have been regulated by the FCAStorm Damage Insurance Claim RefusedWhen a storm claim is refused, the Financial Ombudsman asks three questions…Subsidence Insurance Claim ProblemsCommon subsidence complaints are claims rejected, slow progress, poor…Critical Illness Claim RefusedCritical illness claims are often refused because the insurer says the…GAP Insurance Claim ProblemsGAP insurance pays the difference between your car's market value (paid by…Mobile Phone Insurance Claim RefusedCommon mobile phone insurance complaints are refused claims, mis-selling and…Income Protection Claim Refused or StoppedIncome protection complaints are often about claims not accepted or stopped…Leak Claim Refused: The Gradual Damage ExclusionMany home insurance policies exclude damage that happened gradually, such as…Home Insurance Payout Cut for UnderinsuranceIf your home or contents were insured for less than they were worth and your…Cancelling an Insurance Policy: Cooling-Off and RefundsBy law you have at least 14 days to cancel a new insurance policy for any…Gambling and Betting 5
Betting Site Withdrawal Delayed or Winnings WithheldA gambling business should not hold on to your money unnecessarily, and it…Allowed to Gamble While Self-ExcludedWhen you self-exclude, the gambling business must close your account, return…Block Gambling Payments With Your BankMany UK banks and card providers let you block gambling transactions on your…Gambling Bonus Terms and Wagering RequirementsSince 19 January 2026, gambling bonus wagering requirements are capped at…Gambling Account Fees for Dormant AccountsA gambling account only counts as dormant after at least 12 months without usePensions and Retirement 7
Pension Scheme Complaint: The Pensions OmbudsmanIf a workplace or personal pension scheme takes too long, does not follow…Find a Lost PensionIf you have lost track of an old pension, the government's Pension Tracing…Employer Not Paying Into Your PensionYour employer usually has to pass the contributions taken from your pay to…Pension Credit: Claiming and Challenging a RefusalPension Credit tops up your weekly income to £238 if you are single or…Winter Fuel Payment 2026 to 2027: Who Gets ItIf you were born on or before 27 June 1960 you could get between £100 and…Gaps in Your National Insurance RecordGaps in your National Insurance record can mean a lower State PensionAttendance Allowance: Who Can Get ItAttendance Allowance helps people over State Pension age whose disability or…Savings and Investments 4
Bank or Investment Firm Went Bust: FSCS ProtectionIf a UK bank, building society or credit union fails, the Financial Services…Unsuitable Investment Advice or Platform ProblemsYou can complain if you were advised into an investment that was not right…ISA Transfer DelayedTo move an ISA, ask the new provider to transfer it; if you withdraw the…Paying Ongoing Advice Fees but Getting No ServiceFinancial advisers can charge ongoing fees for ongoing advice and servicesPublic Services
Public Services 115
How to Use the Small Claims CourtIf a business will not put things right, a small claim in the county court…Private Parking Charge: Court Claim ReceivedIf you receive a court claim about a parking charge, respond by the date on…County Court Judgment (CCJ): What to DoA county court judgment stays on the Register of Judgments, Orders and Fines…Bailiffs: What They Can and Cannot DoBailiffs must usually give you at least 14 days' notice of their first visitHow to Complain to HMRCYou can complain to HMRC online, by phone or by postWrong Tax Code or Owed a Tax RefundIf you paid too much tax, for example because you were on the wrong tax…How to Complain to DVLAContact the DVLA team you dealt with firstHow to Complain to the Passport OfficeComplain to HM Passport Office through its contact centre (0300 222 0000)…Student Loans Company ComplaintYou can complain to the Student Loans Company by phone, email or postUniversal Credit and DWP ComplaintsFor poor service from DWP, including Universal Credit and child maintenance…Challenge a Benefit Decision: Reconsideration and AppealIf you disagree with a benefit decision, ask for it to be looked at again…How to Complain About the NHSComplain to the NHS service you are unhappy with first, normally within 12…How to Complain About Your CouncilComplain to the council first and go through all the stages of its…School Place Refused: How to AppealIf your child is refused a school place, you can appealEHC Plan Decision: Appealing to the SEND TribunalYou can appeal to the SEND Tribunal if the council refuses to assess your…How to Complain About the PoliceThe best way to complain about the police is to contact the force involved…Complaining About Courts and Tribunals (HMCTS)You can complain to HM Courts and Tribunals Service about its service, such…What Is the Parliamentary and Health Service Ombudsman?The Parliamentary and Health Service Ombudsman looks at complaints about the…Blue Badge Refused or DelayedYour council decides Blue Badge applications, usually within 12 weeksCouncil Tax Reduction: Can You Get Help?Council Tax Reduction, sometimes called Council Tax Support, can cut your…Carer's Allowance: Who Can Get ItCarer's Allowance is £86.45 a week if you care for someone for at least 35…Free School Meals: Who Qualifies in EnglandFrom the 2026 to 2027 school year, children in England qualify for free…Child Benefit: Rates, Backdating and the High Income ChargeChild Benefit is £27.05 a week for your eldest or only child and £17.90 for…Tax-Free Childcare: How It WorksWith Tax-Free Childcare the government adds up to £500 every 3 months for…Disabled Facilities Grant for Home AdaptationsA Disabled Facilities Grant from your council helps pay for changes to your…Challenging a Rent Increase at the TribunalIf your landlord proposes a new rent and you think it is higher than the…Council Tax for Students: Exemptions and DiscountsA home is exempt from council tax if it is only occupied by full-time…Housing Options for Older People: Sheltered and Extra Care HousingSheltered housing is for people who can live independently but want…Veterans and Service Leavers: Help With HousingIf you are a veteran who is homeless or at risk of losing your home, Op…Domestic Abuse: Housing Help if You Need to Leave HomeIf you are in immediate danger, call 999 and ask for the police; on a mobile…No Recourse to Public Funds (NRPF): Housing Help to Check FirstPublic funds include Housing Benefit, Universal Credit, social housing and…Eviction Court Hearing: What Happens and How to PrepareIf your landlord goes to court you will get papers including a defence form…Universal Credit Sanction: How Long It Lasts and How to Challenge ItA sanction cuts your Universal Credit standard allowance when DWP says you…Universal Credit Hardship Payment: Who Can Get OneIf a sanction reduces your Universal Credit and you cannot pay for rent…Universal Credit Advance: How Much and How You Pay It BackYou can ask for an advance if you cannot manage until your first Universal…Money Taken From Your Universal Credit: Deductions and How to Lower ThemDWP can take money from your Universal Credit to repay advances…Landlord Asking DWP to Take Rent Arrears From Your Universal CreditYour landlord can ask DWP to take money from your Universal Credit to pay…Universal Credit Overpayment: Checking It and Paying It BackDWP can recover a Universal Credit overpayment even if it was caused by a…Got a Migration Notice? Moving to Universal Credit Before the DeadlineIf you get a migration notice, you need to claim Universal Credit by the…Universal Credit Health Element 2026: Higher and Lower Rates ExplainedFrom 6 April 2026 the extra Universal Credit for people with limited…Universal Credit Payment Dates: First Payment and Assessment PeriodsUniversal Credit is paid once a monthReporting a Change of Circumstances on Universal CreditYou must report changes to your circumstances on Universal Credit as soon as…Universal Credit Savings Limit: The £6,000 and £16,000 RulesSavings and other capital under £6,000 do not affect your Universal CreditUniversal Credit Rates 2026 to 2027 and the End of the Two Child LimitFrom 6 April 2026 the Universal Credit standard allowance is £424.90 a month…How to Claim PIP: The Phone Call, the Form and the DeadlinePersonal Independence Payment (PIP) helps with extra costs if you have a…PIP Assessment: What Happens and How to PrepareYour PIP assessment can be by phone, video, at an assessment centre or at…PIP Points Explained: Activities, Descriptors and the 8 and 12 Point RulesPIP is scored by points for 12 activities: 10 for daily living and 2 for…PIP Rates 2026 to 2027: How Much You GetFor 2026 to 2027, the PIP daily living part is £76.70 a week (standard) or…PIP Review Form: What to Do When Your Award Is ReviewedWhen your PIP is reviewed you will be sent a form called Personal…PIP if You Are Nearing the End of Life: Special Rules and SR1If a doctor or other medical professional says you may have 12 months or…Motability Scheme: Who Can JoinYou can join the Motability Scheme if you get the enhanced rate mobility…Adult Disability Payment in Scotland: How It Replaces PIPIf you live in Scotland you apply for Adult Disability Payment (ADP) from…Missed the Deadline? Asking for a Late Mandatory ReconsiderationYou usually need to ask for a mandatory reconsideration within one month of…Benefit Appeal Tribunal: What Happens at the HearingAfter a mandatory reconsideration you can appeal to an independent tribunal…Benefit Tribunal Got It Wrong? Set Aside and the Upper TribunalIf you think the tribunal made a mistake in the process, you can ask for the…Self Assessment Deadlines 2026 to 2027: Register, File and PayFor the 2025 to 2026 tax year, tell HMRC you need to file by 5 October 2026…Late Self Assessment Tax Return: The PenaltiesIf your tax return is late you get an initial £100 penalty, even if you owe…Appeal an HMRC Penalty: What Counts as a Reasonable ExcuseYou usually have 30 days from the date of the penalty to appealDisagree With an HMRC Decision: Appeal, Review and Tax TribunalIf you disagree with an HMRC tax decision, you usually have 30 days from the…Cannot Pay Your Tax Bill? HMRC Payment PlansIf you cannot pay your Self Assessment bill in full, you may be able to set…P800 Tax Calculation Letter: Refunds and What to DoA P800 is a tax calculation letter from HMRC showing whether you paid too…Emergency Tax Code: Why You Have One and How to Fix ItAn emergency tax code ends in W1, M1 or X, for example 1257L W1Tax Relief for Uniforms, Work Clothing and ToolsIf you clean, repair or replace a uniform or specialist clothing, or repair…Working From Home Tax Relief: The 2026 ChangeFrom the tax year starting 6 April 2026 you cannot claim tax relief for…Marriage Allowance: Save Up to £252 and Backdate 4 YearsMarriage Allowance lets you transfer £1,260 of your Personal Allowance to…High Income Child Benefit Charge: The £60,000 to £80,000 RulesIf you or your partner have adjusted net income over £60,000, you pay back…Making Tax Digital for Income Tax: Who Must Join and WhenMaking Tax Digital for Income Tax applies to sole traders and landlords…Selling Online on Vinted, eBay or Etsy: Do You Pay Tax?Selling your own unwanted things online is usually not taxableTax on Savings Interest: Allowances and HMRC LettersBasic rate taxpayers can earn £1,000 of savings interest tax free each tax…Tax Refund Companies: Claim Your Refund Yourself for FreeYou can use a repayment agent to claim a tax refund, but HMRC says many…Overtaxed on a Pension Withdrawal? Claim It BackIf you have flexibly accessed all of your pension, or had a serious…Complain to the Adjudicator's Office About HMRCThe Adjudicator's Office investigates complaints about HMRC and the…Check Your State Pension Forecast and National Insurance GapsYou can check how much State Pension you could get, when you can get it and…Carer's Allowance Earnings Limit: £204 a Week and OverpaymentsCarer's Allowance is £86.45 a week if you care for someone for at least 35…New Style Jobseeker's Allowance: Who Can Get It and for How LongNew Style Jobseeker's Allowance can be paid if you have worked as an…Cold Weather Payment 2026 to 2027: £25 for Each Freezing WeekIf you get certain benefits, such as Pension Credit or Universal Credit with…Sure Start Maternity Grant: £500 for Your First BabyYou can get a one-off £500 Sure Start Maternity Grant if you or your partner…Funeral Expenses Payment: Help With Funeral CostsA Funeral Expenses Payment can help if you or your partner get a qualifying…Bereavement Support Payment: How Much and the DeadlinesBereavement Support Payment can be paid if your husband, wife, civil partner…Access to Work: Help at Work if You Have a Disability or Health ConditionAccess to Work is a grant for people in England, Scotland and Wales whose…Statutory Sick Pay 2026: Paid From Day OneFrom 6 April 2026, Statutory Sick Pay is paid from the first full day you…Maternity Allowance: If You Cannot Get Maternity PayMaternity Allowance can be paid if you are pregnant or have just had a baby…Blue Badge: Who Gets One Automatically and How to ApplyIn England you are automatically eligible for a Blue Badge if you are 3 or…Free School Meals From September 2026: All Universal Credit FamiliesFrom September 2026, all children in households getting Universal Credit in…Becoming an Appointee to Manage Someone's BenefitsIf someone cannot manage their own benefits because they are mentally…Help to Save: Get 50p for Every £1 You Save on Universal CreditHelp to Save lets working people on Universal Credit save between £1 and £50…Disability Living Allowance for Children: Rates and ClaimingDisability Living Allowance (DLA) for children can help with the extra costs…Letter About Benefit Fraud or an Interview Under Caution: What to DoA letter asking you to confirm facts does not always mean you are suspected…Income Tax Rates and Bands 2026 to 2027For the 2026 to 2027 tax year (6 April 2026 to 5 April 2027), outside…Lost Your National Insurance Number? How to Find ItYou can usually find your National Insurance number on a payslip, a P60 or…Child Benefit for 16 to 19 Year Olds: Extend It or It StopsIf your child is 16 to 19 and staying in approved full-time education or…Tax Credits Overpayment After Tax Credits EndedTax credits ended on 5 April 2025 and no more payments are madeRent a Room Scheme: £7,500 Tax-Free From a LodgerThe Rent a Room Scheme lets you earn up to £7,500 a year tax-free from…Capital Gains Tax: The £3,000 Allowance and 18% or 24% RatesCapital Gains Tax is paid on the profit when you sell or give away something…Do You Pay Tax on Your State Pension?The State Pension is paid without tax deducted, but it counts towards your…Simple Assessment Letter (PA302) From HMRCA Simple Assessment is a tax bill HMRC sends by post (form PA302) when you…Registering as Self-Employed: When You Must Tell HMRCYou must register with HMRC as a sole trader if you earn more than £1,000…P45, P60 and P11D: What Each Form Is ForA P45 shows the tax you have paid so far in the tax year when you stop…How to Contact HMRC and Get ThroughHMRC can be contacted through its online services and digital assistant…Renew Your Photocard Driving Licence: Every 10 YearsYou must renew a photocard driving licence every 10 yearsRenewing Your Driving Licence at 70 and OverOnce you reach 70 you must renew your driving licence, and then every 3 yearsTelling DVLA About a Medical ConditionYou must tell DVLA about some medical conditions that can affect your drivingPenalty Points: 12 Points, New Drivers and How Long They LastIf you collect 12 or more penalty points within 3 years you can be…Check Your Driving Licence Points and Get a Check CodeYou can view your driving record online, including the vehicles you can…SORN: Taking a Vehicle Off the Road and Getting a Tax RefundIf you keep a vehicle off the road and do not tax it, you need to make a…Changing Your Address With DVLA: Licence and Log BookYou must tell DVLA when your address changes, on both your driving licence…Sold Your Car? Tell DVLA and Get Your Tax RefundWhen you sell a vehicle privately, give the buyer the green new keeper slip…Acas Early Conciliation: The Step Before a TribunalBefore most employment tribunal claims you must tell AcasEmployment Tribunal Time Limits: The 6 Month Rule From October 2026For problems that happened on or after 1 October 2026, most employment…Bailiff Fees 2026: What Enforcement Agents Can ChargeBailiffs (enforcement agents) can only charge the fixed fees set by lawNotice of Enforcement: Getting 28 Days From the BailiffsA Notice of Enforcement is the letter that tells you bailiffs (enforcement…Received a County Court Claim Form? How to RespondIf a creditor starts a county court money claim against you, you should…Attachment of Earnings Order: Money Taken From Your WagesAn attachment of earnings order tells your employer to take money from your…Statutory Demand: What to Do in 21 DaysA statutory demand is a written warning from a creditor that they may start…Cannot Pay a Court Fine: What You Can DoIf you cannot afford a court fine, contact the court named on your letters…Health, Legal and Personal Services
Health and Private Care 12
Bad Haircut or Beauty Treatment: Your RightsA hairdresser or beauty salon must carry out its service with reasonable…NHS Prescription or Dental Penalty Charge NoticeIf the NHS Business Services Authority cannot confirm you were entitled to…NHS Low Income Scheme: Help With Health CostsThe NHS Low Income Scheme can help pay for NHS prescriptions, dental…Free NHS Prescriptions: Who Qualifies in EnglandIn England you get free NHS prescriptions if you are under 16, 16 to 18 and…Prescription Prepayment Certificate: Save on Regular PrescriptionsIf you pay for prescriptions, a Prescription Prepayment Certificate covers…NHS Dental Charges: Band 1, 2 and 3 ExplainedNHS dental treatment in England is charged in bandsFree NHS Dental Treatment: Who QualifiesYou can get free NHS dental treatment in England if you are under 18, or…NHS Low Income Scheme: HC2 and HC3 CertificatesThe NHS Low Income Scheme helps with health costs if your income is low and…Free NHS Eye Tests and Glasses VouchersYou can get a free NHS eye test in England if you are under 16, 16 to 18 in…Registering With a GP: No Proof of Address NeededAnyone in England can register with a GP surgery for freeClaiming Back Travel Costs for Hospital AppointmentsIf you are referred by your GP or dentist for NHS specialist treatment or…NHS Penalty Charge Notice for a Prescription or Dental TreatmentIf you claim free NHS prescriptions or dental treatment you were not…Funeral Plans and Funerals 1
Funeral Director Prices and ChargesSince 16 September 2021, funeral directors must show a Standardised Price…Still Can’t Find Your Problem?
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