Report an unfair contract term

Financial services firms can't enforce unfair or unclear terms in consumer contracts. If you think that a contract term is unfair or unclear, please report it to us by completing the form below.

If you’ve completed the first part of our unfair contract reporting form, follow the next steps to make a report.

Please make sure that you:

  • provide us with details about the contract term(s) you believe to be unfair or unclear
  • complete all the necessary fields
  • attach a copy of the contract you have concerns about
  • attach copies of all supporting documentation and any correspondence you’ve had with the firm (this will help us to understand your concerns and to take any necessary action)

You can also write to us at Consumer Contracts Team, Financial Conduct Authority, 12 Endeavour Square, London E20 1JN. 

Please make sure you include a copy of the contract together with any supporting documents and highlight the term(s) you believe to be unfair or unclear. If you post documents to us, and you don’t have copies, we’ll be happy to return them.

Please note, for reasons of confidentiality, we won’t be able to discuss any action we may take as a result of the information you give us. We may, however, contact you if we need more information that would help us.

Remember, we're unable to get involved in individual disputes. If you need assistance with your individual dispute, you can find out how to complain if you're unhappy with a financial product or 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.

Privacy and personal data

There are some circumstances where we may need to share the information you have given us, including your personal data, with other regulators who have the power to act independently or alongside the FCA.

For example, we may do this where we are obliged to do so for legal reasons, or where the information you have given us doesn’t relate to a firm authorised by us. In these cases, another regulator may be better placed to investigate your issue.

Where possible we will remove your personal data before sharing it with another regulator, however, sometimes we will need to share your personal data with them. To learn more about how we use your personal data, please read our privacy notice.

Thank you again for bringing this contract to our attention.

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Are you
Examples of acting as a consumer include taking out a credit card for personal use and taking out a mortgage for a residential property.
What type of financial product does the contract relate to?
Please be as specific as possible and send us a copy of the contract.
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Leave blank if you are concerned about a term in a contract that you have not entered into.
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