{"built":"2026-09-15","companies":[{"name":"TUI Airways","slug":"tui-airways","group":"Airlines","headline":"Up to £520 for a flight 3 hours or more late."},{"name":"Virgin Atlantic","slug":"virgin-atlantic","group":"Airlines","headline":"Up to £520 for a flight 3 hours or more late."},{"name":"Loganair","slug":"loganair","group":"Airlines","headline":"Up to £520 for a flight 3 hours or more late."},{"name":"easyJet","slug":"easyjet","group":"Airlines","headline":"Up to £520 for a flight 3 hours or more late."},{"name":"Ryanair","slug":"ryanair","group":"Airlines","headline":"Up to £520 for a flight 3 hours or more late."},{"name":"British Airways","slug":"british-airways","group":"Airlines","headline":"Up to £520 for a flight 3 hours or more late."},{"name":"Jet2","slug":"jet2","group":"Airlines","headline":"Up to £520 for a flight 3 hours or more late."},{"name":"Wizz Air","slug":"wizz-air","group":"Airlines","headline":"Up to £520 for a flight 3 hours or more late."},{"name":"KLM","slug":"klm","group":"Airlines","headline":"Up to £520 for a flight 3 hours or more late."},{"name":"Aer Lingus","slug":"aer-lingus","group":"Airlines","headline":"Up to £520 for a flight 3 hours or more late."},{"name":"Lufthansa","slug":"lufthansa","group":"Airlines","headline":"Up to £520 for a flight 3 hours or more late."},{"name":"Avanti West Coast","slug":"avanti-west-coast","group":"Train companies","headline":"Pays Delay Repay from 15 minutes late. Claim within 28 days."},{"name":"c2c","slug":"c2c","group":"Train companies","headline":"Pays Delay Repay from 15 minutes late. Claim within 28 days."},{"name":"Chiltern Railways","slug":"chiltern-railways","group":"Train companies","headline":"Pays Delay Repay from 15 minutes late. Claim within 28 days."},{"name":"CrossCountry","slug":"crosscountry","group":"Train companies","headline":"Pays Delay Repay from 30 minutes late. Claim within 28 days."},{"name":"East Midlands Railway","slug":"east-midlands-railway","group":"Train companies","headline":"Pays Delay Repay from 15 minutes late. Claim within 28 days."},{"name":"Elizabeth line","slug":"elizabeth-line","group":"Train companies","headline":"Pays Delay Repay from 30 minutes late. Claim within 28 days."},{"name":"Grand Central","slug":"grand-central","group":"Train companies","headline":"Pays Charter compensation from 60 minutes late. Claim within 28 days."},{"name":"Great Northern","slug":"great-northern","group":"Train companies","headline":"Pays Delay Repay from 15 minutes late. Claim within 28 days."},{"name":"Great Western Railway","slug":"great-western-railway","group":"Train companies","headline":"Pays Delay Repay from 15 minutes late. Claim within 28 days."},{"name":"Greater Anglia","slug":"greater-anglia","group":"Train companies","headline":"Pays Delay Repay from 15 minutes late. Claim within 28 days."},{"name":"Hull Trains","slug":"hull-trains","group":"Train companies","headline":"Pays Delay Repay from 30 minutes late. Claim within 28 days."},{"name":"London Northwestern Railway","slug":"london-northwestern-railway","group":"Train companies","headline":"Pays Delay Repay from 15 minutes late. Claim within 28 days."},{"name":"LNER","slug":"lner","group":"Train companies","headline":"Pays Delay Repay from 30 minutes late. Claim within 28 days."},{"name":"Lumo","slug":"lumo","group":"Train companies","headline":"Pays Delay Repay from 30 minutes late. Claim within 28 days."},{"name":"Northern","slug":"northern","group":"Train companies","headline":"Pays Delay Repay from 15 minutes late. Claim within 28 days."},{"name":"ScotRail","slug":"scotrail","group":"Train companies","headline":"Pays Delay Repay from 30 minutes late. Claim within 28 days."},{"name":"Southeastern","slug":"southeastern","group":"Train companies","headline":"Pays Delay Repay from 15 minutes late. Claim within 28 days."},{"name":"Southern","slug":"southern","group":"Train companies","headline":"Pays Delay Repay from 15 minutes late. Claim within 28 days."},{"name":"South Western Railway","slug":"south-western-railway","group":"Train companies","headline":"Pays Delay Repay from 15 minutes late. Claim within 28 days."},{"name":"Thameslink","slug":"thameslink","group":"Train companies","headline":"Pays Delay Repay from 15 minutes late. Claim within 28 days."},{"name":"TransPennine Express","slug":"transpennine-express","group":"Train companies","headline":"Pays Delay Repay from 15 minutes late. Claim within 28 days."},{"name":"Transport for Wales","slug":"transport-for-wales","group":"Train companies","headline":"Pays Delay Repay from 15 minutes late. Claim within 28 days."},{"name":"West Midlands Railway","slug":"west-midlands-railway","group":"Train companies","headline":"Pays Delay Repay from 15 minutes late. Claim within 28 days."},{"name":"London Overground","slug":"london-overground","group":"Train companies","headline":"Pays Delay Repay from 30 minutes late. Claim within 28 days."},{"name":"Gatwick Express","slug":"gatwick-express","group":"Train companies","headline":"Pays Delay Repay from 15 minutes late. Claim within 28 days."},{"name":"BT","slug":"bt","group":"Broadband, phone and TV","headline":"£10.34 a day when a broadband or landline repair is late."},{"name":"EE","slug":"ee","group":"Broadband, phone and TV","headline":"£10.34 a day when a broadband or landline repair is late."},{"name":"Hyperoptic","slug":"hyperoptic","group":"Broadband, phone and TV","headline":"£10.34 a day when a broadband or landline repair is late."},{"name":"Plusnet","slug":"plusnet","group":"Broadband, phone and TV","headline":"£10.34 a day when a broadband or landline repair is late."},{"name":"Sky","slug":"sky","group":"Broadband, phone and TV","headline":"£10.34 a day when a broadband or landline repair is late."},{"name":"NOW Broadband","slug":"now-broadband","group":"Broadband, phone and TV","headline":"£10.34 a day when a broadband or landline repair is late."},{"name":"TalkTalk","slug":"talktalk","group":"Broadband, phone and TV","headline":"£10.34 a day when a broadband or landline repair is late."},{"name":"Utility Warehouse","slug":"utility-warehouse","group":"Broadband, phone and TV","headline":"£10.34 a day when a broadband or landline repair is late."},{"name":"Virgin Media","slug":"virgin-media","group":"Broadband, phone and TV","headline":"£10.34 a day when a broadband or landline repair is late."},{"name":"Vodafone","slug":"vodafone","group":"Broadband, phone and TV","headline":"£10.34 a day when a broadband or landline repair is late."},{"name":"Zen Internet","slug":"zen-internet","group":"Broadband, phone and TV","headline":"£10.34 a day when a broadband or landline repair is late."},{"name":"O2","slug":"o2","group":"Broadband, phone and TV","headline":"Complaints it does not sort out go to CISAS."},{"name":"SMARTY","slug":"smarty","group":"Broadband, phone and TV","headline":"Complaints it does not sort out go to CISAS."},{"name":"Three","slug":"three","group":"Broadband, phone and TV","headline":"Complaints it does not sort out go to CISAS."},{"name":"VOXI","slug":"voxi","group":"Broadband, phone and TV","headline":"Complaints it does not sort out go to CISAS."},{"name":"giffgaff","slug":"giffgaff","group":"Broadband, phone and TV","headline":"Complaints it does not sort out go to Communications Ombudsman."},{"name":"iD Mobile","slug":"id-mobile","group":"Broadband, phone and TV","headline":"Complaints it does not sort out go to Communications Ombudsman."},{"name":"Lebara","slug":"lebara","group":"Broadband, phone and TV","headline":"Complaints it does not sort out go to Communications Ombudsman."},{"name":"Tesco Mobile","slug":"tesco-mobile","group":"Broadband, phone and TV","headline":"Complaints it does not sort out go to Communications Ombudsman."},{"name":"Lyca Mobile","slug":"lyca-mobile","group":"Broadband, phone and TV","headline":"Complaints it does not sort out go to Communications Ombudsman."},{"name":"British Gas","slug":"british-gas","group":"Energy suppliers","headline":"£40 when a switch takes more than 5 working days, and other fixed payments."},{"name":"Octopus Energy","slug":"octopus-energy","group":"Energy suppliers","headline":"£40 when a switch takes more than 5 working days, and other fixed payments."},{"name":"EDF","slug":"edf","group":"Energy suppliers","headline":"£40 when a switch takes more than 5 working days, and other fixed payments."},{"name":"E.ON Next","slug":"eon-next","group":"Energy suppliers","headline":"£40 when a switch takes more than 5 working days, and other fixed payments."},{"name":"OVO Energy","slug":"ovo-energy","group":"Energy suppliers","headline":"£40 when a switch takes more than 5 working days, and other fixed payments."},{"name":"ScottishPower","slug":"scottishpower","group":"Energy suppliers","headline":"£40 when a switch takes more than 5 working days, and other fixed payments."}],"events":[{"key":"2026-10-01","when":"1 October 2026","title":"Energy price cap changes","plain":"From 1 October to 31 December 2026, the energy price cap for a typical home is £1,723 a year. The cap limits the price per unit and the daily standing charge, not your total bill.","source":"https://www.ofgem.gov.uk/information-consumers/energy-advice-households/energy-price-cap-unit-rates-and-standing-charges","expires":"2026-12-31","sector":"energy","kind":"info"},{"key":"2026-10-01","when":"1 October 2026","title":"No VAT on electricity","plain":"There is no VAT on electricity from 1 October 2026 to 31 March 2027.","source":"https://www.ofgem.gov.uk/information-consumers/energy-advice-households/energy-price-cap-unit-rates-and-standing-charges","expires":"2027-03-31","sector":"energy","kind":"info"},{"key":"2026-10-01","when":"October 2026","title":"Warm Home Discount reopens","plain":"The Warm Home Discount reopens in October 2026. It takes £150 off the electricity bill of people who qualify, and most people in England and Wales get it automatically.","source":"https://www.gov.uk/the-warm-home-discount-scheme","expires":"2026-10-31","sector":"energy","kind":"saving"},{"key":"2026-11-25","when":"25 November 2026","title":"Next price cap announced","plain":"Ofgem announces the energy price cap for 1 January to 31 March 2027 on 25 November 2026.","source":"https://www.ofgem.gov.uk/news/changes-energy-price-cap-between-1-october-and-31-december-2026","expires":"2026-11-25","sector":"energy","kind":"info"},{"key":"2027-02-23","when":"23 February 2027","title":"Next price cap announced","plain":"Ofgem announces the energy price cap for 1 April to 30 June 2027 on 23 February 2027.","source":"https://www.ofgem.gov.uk/news/changes-energy-price-cap-between-1-october-and-31-december-2026","expires":"2027-02-23","sector":"energy","kind":"info"},{"key":"2027-03-31","when":"31 March 2027","title":"Warm Home Discount year ends","plain":"Warm Home Discount scheme year 16 ends on 31 March 2027 in England, Scotland and Wales.","source":"https://www.ofgem.gov.uk/environmental-and-social-schemes/warm-home-discount-whd","expires":"2027-03-31","sector":"energy","kind":"info"},{"key":"2027-04-01","when":"April 2027","title":"TV Licence fee rises","plain":"The TV Licence fee will rise in line with inflation in April 2027. It is £180 a year until then.","source":"https://www.gov.uk/government/news/cost-of-tv-licence-fee-set-for-202627","expires":"2027-04-30","sector":"all","kind":"info"},{"key":"2027-04-01","when":"April 2027","title":"Broadband compensation amounts rise","plain":"Ofcom's automatic compensation amounts for broadband and landline problems rise every April in line with inflation.","source":"https://www.ofcom.org.uk/siteassets/resources/documents/phones-telecoms-and-internet/information-for-industry/general-authorisation-regime/guidance-compensation-switching-and-porting.pdf","expires":"2027-04-30","sector":"telecoms","kind":"info"},{"key":"2027-05-26","when":"26 May 2027","title":"Next price cap announced","plain":"Ofgem announces the energy price cap for 1 July to 30 September 2027 on 26 May 2027.","source":"https://www.ofgem.gov.uk/news/changes-energy-price-cap-between-1-october-and-31-december-2026","expires":"2027-05-26","sector":"energy","kind":"info"}],"saves":[{"id":"save.social_tariffs","title":"Cheaper broadband and mobile","plain":"If you get Universal Credit, Pension Credit or some other benefits, you can get cheaper broadband or mobile. Prices on Ofcom's list start at £10 a month. Moving to your own provider's social tariff is free, and there is no fee to leave it.","who":"Anyone who claims Universal Credit, or lives with someone who does, can get any tariff on Ofcom's list. All major providers also accept Pension Credit, Employment and Support Allowance, Jobseeker's Allowance and Income Support. The person getting the benefit must be the main person on the contract.","how":"Ask your current provider if it has a social tariff, online or by phone. If it does not, you can move to a provider that does. Your current provider might let you leave your contract without a fee, but this is not guaranteed.","source":"https://www.ofcom.org.uk/phones-and-broadband/saving-money/social-tariffs","expires":"2027-03-11","universal":false,"worth":"From £10 a month","cats":["bills"],"checked_on":"2026-09-11"},{"id":"save.warm_home_discount","title":"Warm Home Discount","plain":"The Warm Home Discount takes £150 off your electricity bill once a winter. In England and Wales you usually get it automatically if you get certain benefits. In Scotland some people need to apply to their supplier.","who":"England and Wales: on 23 August 2026 your supplier was part of the scheme, you or your partner got Universal Credit, Housing Benefit, income-related Employment and Support Allowance or Pension Credit, and your name or your partner's name was on the electricity bill. Scotland has its own groups, and some people there must apply. It is not available in Northern Ireland.","how":"In England and Wales you usually do not need to do anything: your supplier takes it off your electricity bill. In Scotland, if you do not get it automatically, apply to your electricity supplier. The money is not paid to you in cash.","source":"https://www.gov.uk/the-warm-home-discount-scheme","expires":"2027-03-31","universal":false,"worth":"£150 off your electricity","cats":["bills","home"],"checked_on":"2026-09-11"},{"id":"save.council_tax_single_person","title":"25% off Council Tax","plain":"In England and Wales, if you are the only adult in your home, you can get 25% off your Council Tax. It also applies if everyone else living with you is not counted, for example full-time students. You must apply to your council.","who":"You pay Council Tax and either live on your own, or everyone else in your home is not counted. People not counted include under 18s, full-time students, student nurses, some apprentices, people who are severely mentally impaired, and live-in carers for someone who is not their partner or child. If everyone in the home is not counted, the discount is 50%.","how":"Apply to your local council. It does not happen by itself. If you get a discount you are not entitled to, you must tell the council.","source":"https://www.gov.uk/council-tax/who-has-to-pay","expires":"2027-03-11","universal":false,"worth":"25% off","cats":["home"],"checked_on":"2026-09-11"},{"id":"save.railcards","title":"A Railcard","plain":"A Railcard costs £35 a year (£20 for the Disabled Persons Railcard) and gets you 1/3 off most train tickets across Great Britain. The 16-17 Saver gives 50% off. Most cards have a minimum fare or a morning time limit, so check the rules for your card.","who":"It depends on the card: your age (16-17, 16-25, 26-30, or 60 and over), a disability, having served in the Armed Forces, travelling as a pair, travelling with children, or travelling in London and the South East.","how":"Buy online at railcard.co.uk. You need a photo and, for most cards, proof of age or eligibility. Most cards can also be bought at a staffed station ticket office. The 26-30 Railcard is only sold online.","source":"https://www.railcard.co.uk/","expires":"2027-03-11","universal":false,"worth":"1/3 off, for £35 a year","cats":["travel"],"checked_on":"2026-09-11"},{"id":"save.tv_licence","title":"A free or cheaper TV Licence","plain":"A TV Licence costs £180 a year. If you are 75 or over and you or your partner get Pension Credit, it is free. If you are registered blind, or live with someone who is, you get 50% off.","who":"Free licence: you are 75 or older and you or a partner you live with get Pension Credit. Half price: you are registered blind or live with someone who is, and the licence is in the blind person's name. A £7.50 licence is available in some care homes and sheltered housing.","how":"Apply on the TV Licensing website. You can apply for the free licence when you are 74 if you already get Pension Credit.","source":"https://www.gov.uk/free-discount-tv-licence","expires":"2027-03-31","universal":false,"worth":"Up to £180 a year","cats":["home"],"checked_on":"2026-09-11"},{"id":"save.lost_account","title":"Money in a forgotten account","plain":"My Lost Account is a free search for money sitting in a bank, building society or NS&I account you have forgotten about. One form covers all three.","who":"Anybody. There is no benefits test and no age test. It searches accounts you held yourself, and you can also search for someone who has died if you are dealing with their estate.","how":"Fill in the free form on mylostaccount.org.uk. It is run by UK Finance, the Building Societies Association and NS&I together. Nobody should ever charge you for this search.","source":"https://www.mylostaccount.org.uk/","expires":"2027-09-14","universal":true,"worth":"Free to search","cats":["lost"],"checked_on":"2026-09-14"},{"id":"save.lost_pension","title":"A pension you lost track of","plain":"The Pension Tracing Service finds the contact details of a workplace or personal pension you have lost track of. It is free, and it is run by the government.","who":"Anybody who has ever had a job with a pension, or a personal pension, and cannot find who runs it now. Most people change jobs several times and leave a small pot behind each time.","how":"Search on GOV.UK with the name of the employer or the pension provider. The service gives you the contact details. It does not tell you how much is in the pot, so you then write to them.","source":"https://www.gov.uk/find-pension-contact-details","expires":"2027-09-14","universal":true,"worth":"Free to search","cats":["lost"],"checked_on":"2026-09-14"},{"id":"save.premium_bonds","title":"An unclaimed Premium Bonds prize","plain":"NS&I is holding 2,851,753 unclaimed Premium Bond prizes worth £126,787,100, as at 1 September 2026. Prizes never expire, so an old bond can still win and still pay out.","who":"Anybody who holds Premium Bonds or ever has, including bonds bought for you as a child. Prizes go unclaimed most often when somebody moves house and NS&I loses touch.","how":"Use the free prize checker on the NS&I website or in their app. You need the holder number. Results are published the day after the first working day of each month.","source":"https://www.nsandi.com/prize-checker","expires":"2027-03-14","universal":true,"worth":"£127m sitting unclaimed","cats":["lost"],"checked_on":"2026-09-14"},{"id":"save.child_trust_fund","title":"A Child Trust Fund nobody claimed","plain":"Every child born between 1 September 2002 and 2 January 2011 had a Child Trust Fund opened for them. Hundreds of thousands are sitting unclaimed because nobody knows where they are.","who":"Anybody born between 1 September 2002 and 2 January 2011, or their parent. The child takes control of the account at 16 and can take the money out at 18.","how":"Ask HMRC to find it, free, on GOV.UK. You need the child's National Insurance number or date of birth. Nobody should ever charge you to find one.","source":"https://www.gov.uk/child-trust-funds/find-a-child-trust-fund","expires":"2027-09-14","universal":true,"worth":null,"cats":["lost"],"checked_on":"2026-09-14"},{"id":"save.marriage_allowance","title":"Marriage Allowance","plain":"If one of you earns under the tax-free Personal Allowance and the other pays basic rate tax, you can move 1,260 pounds of allowance across. It cuts the higher earner's tax by up to 252 pounds a year, and it carries on every year until you stop it.","who":"You must be married or in a civil partnership. Living together does not count. The lower earner normally has an income below the Personal Allowance, usually 12,570 pounds. The higher earner must pay basic rate, which usually means between 12,571 and 50,270 pounds. In Scotland the higher earner must pay the starter, basic or intermediate rate, usually between 12,571 and 43,662 pounds.","how":"The lower earner applies, free, on GOV.UK. You can backdate the claim to 6 April 2022, so four earlier years are still open. The 2022 to 2023 year drops out of range after 5 April 2027.","source":"https://www.gov.uk/marriage-allowance","expires":"2027-04-05","universal":false,"worth":"Up to £252 a year","cats":["tax"],"checked_on":"2026-09-14"},{"id":"save.uniform_washing","title":"Tax back for washing your uniform","plain":"If you wash a work uniform at home and your employer does not pay for it, you can claim a fixed amount every year without keeping any receipts. If your job is not on HMRC's list the flat rate is 60 pounds a year, and many jobs are worth more.","who":"You must wear clothing that identifies your job, for example a nurse or a police officer, or specialist clothing such as overalls or safety boots. You cannot claim for buying the clothes, for everyday clothes, for protective equipment, or if your employer pays your expenses or launders them free.","how":"Claim on the HMRC service linked from GOV.UK, or on your Self Assessment return. You can claim for this tax year and the four before it. You get back tax at the rate you pay, so at basic rate a 60 pound flat rate is 12 pounds less tax.","source":"https://www.gov.uk/guidance/job-expenses-for-uniforms-work-clothing-and-tools","expires":"2027-04-05","universal":false,"worth":"At least £60 a year, 5 years back","cats":["tax"],"checked_on":"2026-09-14"},{"id":"save.work_mileage","title":"Tax back on work mileage","plain":"If you drive your own car for work and your employer pays less than the approved rate, you can claim tax relief on the difference. For the 2026 to 2027 tax year the approved rate is 55p a mile for the first 10,000 business miles. The commute does not count.","who":"Employees who use their own car, van, motorcycle or bicycle for work. Travelling to and from your normal workplace does not count, unless it is a temporary place of work. You have to keep a mileage log.","how":"Claim on the HMRC job expenses service. You must send copies of your mileage logs, with the reason for each journey and the start and end postcodes. You can claim for this tax year and the four before it, at 45p a mile for journeys before 6 April 2026.","source":"https://www.gov.uk/tax-relief-for-employees/vehicles-you-use-for-work","expires":"2027-04-05","universal":false,"worth":"Up to 55p a mile","cats":["travel","tax"],"checked_on":"2026-09-14"},{"id":"save.tax_free_childcare","title":"Tax-Free Childcare","plain":"You open a childcare account, pay money in, and the government adds 2 pounds for every 8 you pay. That is up to 500 pounds every 3 months for each child, or 2,000 pounds a year, and up to 4,000 pounds a year for a disabled child.","who":"You and your partner must each be working, and each earning at least about 2,643.68 pounds over 3 months if you are 21 or over. Your child must be 11 or younger, until the September after they turn 11. You cannot get it if you or your partner expect to earn over 100,000 pounds, or if you claim Universal Credit or childcare vouchers.","how":"Set up the account on GOV.UK, then pay your nursery or childminder from it. Sign in every 3 months to confirm you are still eligible, or it stops.","source":"https://www.gov.uk/tax-free-childcare","expires":"2027-04-05","universal":false,"worth":"Up to £2,000 a year per child","cats":["tax"],"checked_on":"2026-09-14"}],"goods":[{"id":"cra.short_term_reject","plain":"If goods are faulty, not as described or not fit for purpose, you can reject them for a full refund within 30 days of delivery. The 30 days pause while you wait for a repair or replacement.","figure":{"days":30},"source":"https://www.legislation.gov.uk/ukpga/2015/15/section/22","checked_on":"2026-09-11"},{"id":"cra.six_month_presumption","plain":"If a fault shows up within 6 months of delivery, the law assumes it was there from the start, unless the trader proves otherwise.","figure":{"months":6},"source":"https://www.legislation.gov.uk/ukpga/2015/15/section/19","checked_on":"2026-09-11"},{"id":"cra.remedy_order","plain":"After the first 30 days, you can ask for a repair or replacement. If that fails, you can ask for a price reduction or reject the goods for a refund.","figure":null,"source":"https://www.legislation.gov.uk/ukpga/2015/15/section/19","checked_on":"2026-09-11"},{"id":"cra.final_right_to_reject","plain":"If one repair or replacement fails, you can reject the goods for a refund. Within the first 6 months the trader cannot take anything off for the use you had, except for cars and other motor vehicles.","figure":{"no_deduction_months":6},"source":"https://www.legislation.gov.uk/ukpga/2015/15/section/24","checked_on":"2026-09-11"},{"id":"cra.guarantee","plain":"A warranty or guarantee is something the maker or the shop chooses to give you on top of the law. It cannot take away your legal rights, and the guarantee itself has to say so in writing.","figure":null,"source":"https://www.legislation.gov.uk/ukpga/2015/15/section/30","checked_on":"2026-09-15"},{"id":"limitation.england_wales","plain":"In England and Wales you can take a claim to court up to 6 years after the problem.","figure":{"years":6},"source":"https://www.legislation.gov.uk/ukpga/1980/58/section/5","checked_on":"2026-09-11"},{"id":"limitation.scotland","plain":"In Scotland you can take a claim to court up to 5 years after the problem.","figure":{"years":5},"source":"https://www.legislation.gov.uk/ukpga/1973/52/section/6","checked_on":"2026-09-11"},{"id":"limitation.northern_ireland","plain":"In Northern Ireland you can take a claim to court up to 6 years after the problem.","figure":{"years":6},"source":"https://www.legislation.gov.uk/nisi/1989/1339/article/4","checked_on":"2026-09-11"},{"id":"signpost.section_75","plain":"If you paid by credit card for something costing over £100 and up to £30,000, your card provider may also be responsible. We cannot help with card claims: contact your card provider, then the Financial Ombudsman Service.","figure":{"min_gbp":100,"max_gbp":30000},"source":"https://www.legislation.gov.uk/ukpga/1974/39/section/75","checked_on":"2026-09-11"},{"id":"adr.not_compulsory","plain":"Most shops do not have to use a dispute resolution scheme. If a trader will not use one and still says no, the small claims court is the next step.","figure":null,"source":"https://www.legislation.gov.uk/ukpga/2024/13/section/308","checked_on":"2026-09-11"},{"id":"cra.services","plain":"A service must be done with reasonable care and skill, and in a reasonable time. If it is not, you can ask for it to be done again, or for a price reduction, with any refund paid within 14 days. The trader cannot take these rights away.","figure":{"refund_within_days":14},"source":"https://www.legislation.gov.uk/ukpga/2015/15/part/1/chapter/4","checked_on":"2026-09-11"},{"id":"delivery.default_30_days","plain":"Unless you agreed another date, goods must be delivered within 30 days. If delivery is late you can set a new deadline, or end the contract straight away if the date was essential.","figure":{"days":30},"source":"https://www.legislation.gov.uk/ukpga/2015/15/section/28","checked_on":"2026-09-11"},{"id":"delivery.risk","plain":"Goods are the trader's responsibility until you have them, so a parcel lost or damaged on the way is the trader's problem, not yours, unless you chose and arranged the courier yourself.","figure":null,"source":"https://www.legislation.gov.uk/ukpga/2015/15/section/29","checked_on":"2026-09-11"}],"affiliates":{"publisher":"3088253","advertisers":[{"name":"Connect Fibre","mid":"114602","sector":"broadband","destination":"https://www.connectfibre.co.uk/","blurb":"Full fibre broadband, built street by street in seven counties.","coverage":"regional","areas":["PE","S","DE","SS","CM","NG","DN","ST"]},{"name":"Chattr","mid":"115559","sector":"mobile","destination":"https://www.chattr.co.uk/","blurb":"SIM only mobile, no handset and no credit agreement.","coverage":"national","areas":[]},{"name":"Tyres UK","mid":"12715","sector":"motoring","destination":"https://www.tyres.net/","blurb":"A price comparison marketplace for tyres and wheels.","coverage":"national","areas":[]},{"name":"Highland Broadband","mid":"99387","sector":"broadband","destination":"https://highlandbroadband.co.uk/","blurb":"Full fibre broadband in the Scottish Highlands.","coverage":"regional","areas":[]}]}}