Blogs

High-Interest Credit Cards and Affordability Checks: What Lenders Should Review Before Increasing Your Limit

What lenders must review before raising credit limits on high-interest cards—affordability checks explained. ...more

Payday Loan Refund

April 08, 2026•7 min read

Repeat Borrowing Red Flags: When Lenders Should Have Realised You Were Stuck in a Debt Cycle

Spot repeat borrowing red flags and when lenders should have seen a harmful debt cycle. ...more

Payday Loan Refund

April 07, 2026•11 min read

Time Limits for Car Finance Complaints in the UK: How Long Do You Have?

Know your deadline for car finance complaints in the UK and when you may still be able to claim. ...more

Mis Sold Car Finance

April 06, 2026•11 min read

Kitchen and Bathroom Disrepair: Poor Ventilation, Leaks, and Rot

Kitchen and bathroom disrepair explained: poor ventilation, leaks, rot, and tenant rights. ...more

Housing Disrepair Claims

April 03, 2026•8 min read

Car Finance Refinancing: When “Upgrading” Your Deal Could Be Mis-Selling

Could refinancing your car finance be mis-selling? Learn the warning signs before you upgrade. ...more

PCP Finance Mis Sold

April 02, 2026•7 min read

Early termination of PCP or HP: your rights and the risks explained

Early termination of PCP or HP explained: know your rights, costs, and key risks. ...more

PCP Finance Mis Sold

April 01, 2026•8 min read

Broken Windows and Insecure Doors: Security Risks and Repair Responsibilities

Broken windows and insecure doors can put you at risk. Learn who is responsible for repairs. ...more

Housing Disrepair Claims

March 31, 2026•11 min read

Electrical Hazards in Rental Properties: Signs Your Home May Be Unsafe

Electrical hazards in rental properties: warning signs your home may be unsafe and what to do. ...more

Housing Disrepair Claims

March 30, 2026•7 min read

What Compensation Might Look Like in Car Finance Mis-Selling Cases

Compensation depends on what actually went wrong with your agreement. ...more

Mis Sold Car Finance

March 27, 2026•8 min read

Rejected Car Finance Applications: When Advice Given by a Dealer Crosses the Line

Rejected car finance applications: when dealer advice crosses the line and may be misleading. ...more

Mis Sold Car Finance

March 25, 2026•8 min read

Disrepair and Vulnerable Tenants: Extra Duties Where Children or Health Conditions Are Involved

Disrepair and vulnerable tenants: extra landlord duties where children or health issues are involved. ...more

Housing Disrepair Claims

March 24, 2026•12 min read

What Evidence Helps a Missold Car Finance Claim? Documents, Emails, and Call Notes

Evidence for a missold car finance claim: key documents, emails, call notes, and what to keep. ...more

Mis Sold Car Finance

March 23, 2026•8 min read

Pest Infestations: When Mice, Rats, or Cockroaches Become a Landlord Issue

When pest infestations become a landlord responsibility in rented property. ...more

Housing Disrepair Claims

March 20, 2026•12 min read

Letting Agents vs Landlords: Who Do You Contact and Who Is Legally Responsible?

Know who to contact and who is legally responsible: letting agents vs landlords explained. ...more

Housing Disrepair Claims

March 19, 2026•7 min read

Online Car Finance Deals: Are You Still Protected If You Signed Digitally?

Check if your digitally signed car finance deal still gives you legal protection. ...more

Mis Sold Car Finance

March 18, 2026•6 min read

Mis sold Car Finance: The Difference Between Misrepresentation and Unfair Relationship

Mis-sold car finance explained: misrepresentation vs unfair relationship claims. ...more

Mis Sold Car Finance

March 17, 2026•7 min read

Rent Rebates and Reduced Use of Rooms: How Loss of Amenity Is Calculated

Learn how loss of amenity is calculated when reduced room use leads to rent rebates. ...more

Housing Disrepair Claims

March 16, 2026•10 min read

Negative Equity Roll Over: How It Happens and Why It Can Be Unfair

What negative equity roll over is, how it happens, and why it can be unfair ...more

Mis Sold Car Finance

March 13, 2026•7 min read

Unsafe Flooring and Trip Hazards: When Damage Becomes Actionable Disrepair

Unsafe flooring and trip hazards can become actionable disrepair when landlords fail to fix known dangers. ...more

Housing Disrepair Claims

March 11, 2026•7 min read

Retaliatory Eviction and Disrepair Complaints: What Protection Do Tenants Have?

Know your rights on retaliatory eviction after disrepair complaints. Tenant protections explained. ...more

Housing Disrepair Claims

March 10, 2026•9 min read

Private Landlords and Disrepair: What Tenants Can Realistically Expect

Private landlords and disrepair: what tenants can realistically expect and how to act fast. ...more

Housing Disrepair Claims

March 09, 2026•8 min read

Car Finance Complaints for Business Use Vehicles: What UK Sole Traders and Limited Companies Should Know

Car finance complaints for business-use vehicles: key UK rules for sole traders & Ltd companies ...more

Mis Sold Car Finance

March 06, 2026•7 min read

Environmental Health Involvement: When and How the Council Can Help

Environmental health support: when to contact your council and what they can do ...more

Housing Disrepair Claims

March 05, 2026•10 min read

Car Finance Complaint Process: Dealer vs Lender vs Broker

Car finance complaint? Who to contact (dealer, lender, broker) and the steps to follow. ...more

Mis Sold Car Finance

March 04, 2026•7 min read

Mileage Limits and Excess Charges: Common PCP Terms People Aren’t Told About

PCP mileage limits and excess charges explained — avoid surprise fees at the end. ...more

PCP Finance Mis Sold

March 03, 2026•7 min read

Voluntary Termination in Car Finance: The 50% Rule and Key Pitfalls

Understand voluntary termination in car finance, the 50% rule, and common pitfalls to avoid. ...more

Mis Sold Car Finance

March 02, 2026•10 min read

Can You Claim If You’ve Already Settled Your Car Finance Agreement?

Still claim after settling your car finance? Check if you’re owed compensation for mis-sold finance. ...more

Mis Sold Car Finance

February 26, 2026•9 min read

Social Housing Disrepair Claims: Council and Housing Association Responsibilities

Social housing disrepair claims: know council and housing association responsibilities. ...more

Housing Disrepair Claims

February 25, 2026•10 min read

Plumbing leaks and water damage: how disrepair spreads and who is responsible

How plumbing leaks cause water damage, spread disrepair, and who is responsible to fix it. ...more

Housing Disrepair Claims

February 24, 2026•7 min read

Leaking Roofs and Ceilings: What to Do and What Evidence to Collect

Leaking roof or ceiling? Learn what to do first and the evidence to collect for repairs. ...more

Housing Disrepair Claims

February 23, 2026•6 min read

Mis sold car finance and your credit file: what happens if you complain?

Mis-sold car finance: how a complaint can affect your credit file and what to expect. ...more

Mis Sold Car Finance

February 20, 2026•6 min read

Emergency Repairs: What Qualifies and What Tenants Should Do Immediately

Emergency repairs explained: what counts, and what tenants should do right away. ...more

Housing Disrepair Claims

February 19, 2026•7 min read

Heating and Hot Water Failures: Tenant Rights in Winter and Beyond

Heating and hot water failures: your tenant rights, repair timelines, and what to do next. ...more

Housing Disrepair Claims

February 18, 2026•7 min read

How Long Should Repairs Take? Reasonable Timescales for Common Issues

Typical repair times for common faults—what’s reasonable, and when delays aren’t acceptable. ...more

Housing Disrepair Claims

February 17, 2026•7 min read

How Car Dealers and Brokers Earn Commission and Why It Matters to Your Complaint

Car dealer and broker commissions explained—and why they matter when you complain. ...more

Mis Sold Car Finance

February 16, 2026•8 min read

Add on Products in Car Finance: GAP Insurance, Warranties, and Unfair Pressure Selling

GAP insurance, warranties, and pressure selling: what car finance add-ons mean for you. ...more

Mis Sold Car Finance

February 13, 2026•5 min read

Guaranteed Future Value in PCP: How It Works and Where It Can Be Misleading

Guaranteed Future Value (GFV) in PCP finance sets the optional final payment and can reduce monthly costs. ...more

PCP Finance Mis Sold

February 12, 2026•8 min read

How to Report Disrepair Properly: Emails, Photos, and Keeping a Repair Log

Report disrepair properly with emails, photos, and a clear repair log to support your case. ...more

Housing Disrepair Claims

February 11, 2026•2 min read

What Counts as Housing Disrepair? A Practical Checklist for Tenants

Housing disrepair checklist for tenants: what counts, key signs, and when to report issues. ...more

Housing Disrepair Claims

February 10, 2026•3 min read

The Landlord’s Repairing Obligations in the UK: What They Must Fix and When

Landlords must repair key issues in UK rentals. Learn what they must fix, and when. ...more

Housing Disrepair Claims

February 09, 2026•10 min read

The UK Car Finance Cooling Off Period: What It Is and When It Applies

Know your rights when taking out UK car finance. Learn what the cooling-off period is, when it applies, and key exceptions. ...more

PCP Finance Mis Sold

February 06, 2026•5 min read

Car Finance Affordability Checks: When Lenders Should Have Said No

If you were approved for car finance when you were already juggling bills, overdrafts, or other credit, you might be wondering: how did they say yes to this? You’re not alone. ...more

Mis Sold Car Finance

February 04, 2026•2 min read

Hire Purchase Mis Selling: What Went Wrong and What You Can Do Next

Hire purchase mis-selling? See what went wrong, how to check your deal, and next steps. ...more

Mis Sold Car Finance

February 03, 2026•6 min read

Penetrating Damp vs Condensation: How to Tell the Difference and Why It Matters for Claims

If you’ve got damp patches, black mould, or that constant musty smell, you’re not alone. ...more

Housing Disrepair Claims

January 30, 2026•3 min read

Black Mould Exposure: Common Health Impacts and When to Seek Medical Evidence

If you’re dealing with black mould at home, you already know it’s more than “just a bit of mess”. It can smell awful, ruin your belongings, and make your place feel uncomfortable to live in. ...more

Housing Disrepair Claims

January 28, 2026•9 min read

Damp and Mould in Rented Homes: Your Rights and What Landlords Must Do

Most damp and mould issues have an underlying cause and landlords are expected to deal with the cause, not just the visible mould. ...more

Housing Disrepair Claims

January 26, 2026•5 min read

PCP Mis-selling Explained: Common Sales Tactics That Breach UK Standards

PCP can be a perfectly fair way to finance a car when it’s explained properly. The problem is, plenty of people were sold deals without clear information, proper checks, or honest sales conversations. ...more

PCP Finance Mis Sold

January 26, 2026•2 min read

Was Your Car Finance Commission Hidden? Signs Your Deal May Have Been Mis-sold

If you took out car finance in the last few years (or even longer ago), there’s a decent chance you were never told the full story about how the deal was put together. And here’s the uncomfortable bit... ...more

Mis Sold Car Finance

January 21, 2026•7 min read