We can look at contract terms relating to most financial products and services. These powers come under the Consumer Rights Act 2015[1] (and the Unfair Terms in Consumer Contracts Regulations 1999[2] 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
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In this case, this isn’t the right place to report your concerns. We can only look at contracts between businesses and consumers.
If you want to get in touch because you’re worried about how a business is behaving, or for any other reason, please contact us[3]. Or, if you're unhappy with a financial product or service, find out how to complain[4].
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
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In this case, this isn’t the right place to report your concerns. We can only look at consumer contracts relating to financial products and services.
If you want to get in touch because you’re worried about how a business is behaving, or for any other reason, please contact us[3]. Or, if you're unhappy with a financial product or service, find out how to complain[4].
What does your concern relate to?
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In this case, this isn’t the right place to report your concerns. We can only look at terms in consumer contracts.
If you want to get in touch because you’re worried about how a business is behaving, or for any other reason, please contact us[5]. Or, if you're unhappy with a financial product or service, find out how to complain[6].
When did you enter into the contract?
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In this case, this isn’t the right place to report your concerns. We can only look at contracts entered into on or after 1 July 1995.
If you want to get in touch because you’re worried about how a business is behaving, or for any other reason, please contact us[7]. Or, if you're unhappy with a financial product or service, find out how to complain[8].
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Please tell us more about the contract you're concerned about.
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Please tell us more about the contract you're concerned about.
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Please tell us more about the contract you're concerned about.