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March 31, 2025 
Daniel Lee The Debatable Incompetence of the Financial Ombudsman Service The Financial Ombudsman Service (FOS) was established to resolve disputes between consumers and financial service providers, offering a free, impartial service to help individuals navigate issues that arise from financial transactions. However, in recent years, questions surrounding its competence and effectiveness have emerged, leading to public and […]
March 31, 2025 Daniel Lee Examining Allegations of Corruption: The FCA and Financial Ombudsman Service The Financial Conduct Authority (FCA) and the Financial Ombudsman Service (FOS) play crucial roles in the UK’s financial ecosystem. The FCA regulates financial firms and markets to ensure that consumers are treated fairly, while the FOS provides a platform for resolving disputes between consumers and […]
March 31, 2025 Daniel Lee Understanding Mis-Sold GAP Insurance: A Guide for Consumers Guaranteed Asset Protection (GAP) insurance is designed to cover the difference between what your car is worth and what you owe on it if it is written off or stolen. While it can provide valuable peace of mind, many consumers have found themselves mis-sold GAP insurance policies. […]
March 31, 2025 Daniel Lee Hopcraft v Close Brothers Ltd: A Comprehensive Analysis of the Court of Appeal Decision and Its Implications Introduction The Court of Appeal’s decision in Hopcraft v Close Brothers Ltd marks a pivotal moment in motor finance law, dealing directly with the transparency and fairness of undisclosed commissions within finance agreements. This case builds on precedents […]
March 31, 2025 Daniel Lee Judges in the Court of Appeal Case of Hopcraft v Close Brothers The recent landmark ruling in the Hopcraft v Close Brothers case in the Court of Appeal confirms that the motor finance industry has been unlawfully hiding key commission information from its customers. The Judges unanimous decision paves the way for billions in compensation […]
March 31, 2025 Daniel Lee Understanding the Court of Appeal Judgment in Hopcraft v Close Brothers (2024) In July 2024, the Court of Appeal delivered a significant judgment in the case of Hopcraft v Close Brothers, which introduced critical standards for disclosure in the motor finance industry. This case highlights important consumer rights and imposes enhanced compliance obligations on credit […]
