Curated reporting and regulatory updates from the worlds of motor finance, business energy, housing disrepair, unaffordable lending and investor litigation. Bookmark this page — it's how we keep you informed of the cases shaping your rights.
The Supreme Court's judgment in Johnson v FirstRand reshaped the landscape for undisclosed commission claims on car finance agreements, with the FCA now consulting on a redress scheme expected to compensate millions of drivers.
The regulator set out the framework for an industry-wide redress scheme covering discretionary commission arrangements and certain other unfair commission models on car finance agreements taken out since 2007.
Thousands of SMEs are bringing claims against energy brokers who failed to disclose the commissions baked into multi-year supply contracts — a practice the courts have increasingly found to be unlawful where consent was not properly obtained.
Court of Appeal guidance on secret commissions in business energy contracts opened the door for thousands of SME claims against suppliers and brokers who concealed uplift on unit rates.
Following the death of Awaab Ishak, new statutory timeframes require social landlords to investigate and fix damp, mould and other hazards — strengthening tenants' ability to bring disrepair claims.
Courts continue to award significant compensation where landlords ignore reports of damp, mould and structural disrepair, with awards reflecting both inconvenience and damage to health and belongings.
The regulator reinforced expectations on lenders to carry out proportionate affordability assessments, with continued enforcement action against firms that issued loans customers had no realistic prospect of repaying.
Following years of group litigation, investors in the collapsed Woodford Equity Income Fund moved closer to compensation as regulators and platforms finalised redress arrangements.
Beyond motor finance, regulators and courts are examining undisclosed commissions across insurance, lending and investment products — with disclosure and informed consent now central to enforceability.
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