Unfair contracts: make a report

We have powers to challenge unfair and unclear terms in consumer contracts. If you think that a contract term is unfair or unclear, please report it to us by completing our form.  

We can look at contract terms relating to most financial products and services. These powers come under the Consumer Rights Act 2015 (and the Unfair Terms in Consumer Contracts Regulations 1999 for contracts entered into before 1 October 2015).

The first part of this form will ask a few questions to help you work out if your issue is best dealt with by us, or whether you should direct it elsewhere within the FCA. Depending on your answers, you'll then be asked for some specific information about your issue. 

Is the contract you're complaining about between a consumer and a business?

Generally, you’re a consumer if you enter into the contract for personal purposes, such as:

  • taking out a credit card for personal use
  • taking out a residential mortgage
  • taking out travel insurance for a holiday

Your response suggests that your concerns are unlikely to fall within our unfair terms powers. 

These powers only apply to consumer contracts entered into on or after 1 July 1995.

If you want to get in touch with the FCA for other reasons, for example, if you have concerns about the conduct of a firm, then please get in touch using our general contact details.

You can also find out how to complain if you're unhappy with a financial product or service. This includes information on contacting the firm and taking your complaint to the Financial Ombudsman Service.

If you’re thinking about getting legal advice, you can get more information about your rights from the Citizens Advice consumer helpline or by calling 0808 223 1133.

Return to the consumer homepage.

Does your concern relate to a financial product, such as:

  • mortgages
  • insurance
  • bank, building society or credit union accounts
  • life assurance
  • pensions
  • investments (including spreadbetting and contracts for difference)
  • consumer credit (including credit cards, payday loans, debt management, home collected credit and pawnbroking)
  • claims management companies (CMCs)
  • other types of financial products

Your response suggests that your concerns are unlikely to fall within our unfair terms powers. 

Our powers only apply to consumer contracts relating to financial products and services.

If you want to get in touch with the FCA for other reasons, for example, if you have concerns about the conduct of a firm, then please get in touch using our general contact details.

You can also find out how to complain if you're unhappy with a financial product or service. This includes information on contacting the firm and taking your complaint to the Financial Ombudsman Service.

If you’re thinking about getting legal advice, you can get more information about your rights from the Citizens Advice consumer helpline or by calling 0808 223 1133.

Return to the consumer homepage.

What does your concern relate to?

Your response suggests that your concerns are unlikely to fall within our unfair terms powers. 

Our powers only apply to terms in consumer contracts.

If you want to get in touch with the FCA for other reasons, for example, if you have concerns about the conduct of a firm, then please get in touch using our general contact details.

You can also find out how to complain if you're unhappy with a financial product or service. This includes information on contacting the firm and taking your complaint to the Financial Ombudsman Service.

If you’re thinking about getting legal advice, you can get more information about your rights from the Citizens Advice consumer helpline or by calling 0808 223 1133.

Return to the consumer homepage.

When did you enter into the contract?

Your response suggests that your concerns are unlikely to fall within our unfair terms powers. 

These powers only apply to consumer contracts entered into on or after 1 July 1995.

If you want to get in touch with the FCA for other reasons, for example, if you have concerns about the conduct of a firm, then please get in touch using our general contact details.

You can also find out how to complain if you're unhappy with a financial product or service. This includes information on contacting the firm and taking your complaint to the Financial Ombudsman Service.

If you’re thinking about getting legal advice, you can get more information about your rights from the Citizens Advice consumer helpline or by calling 0808 223 1133.

Return to the consumer homepage.

Please complete the rest of this form to make a report.

Report an unfair contract

Please complete the rest of this form to make a report.

Report an unfair contract

Please complete the rest of this form to make a report.

Report an unfair contract