Quick answer
The FCA deadline for most PPI mis-selling complaints was 29 August 2019, so new claims are usually out of time. You may still complain if exceptional circumstances stopped you complaining earlier, or where it concerns an insurer rejecting a PPI claim. You complain to the firm that sold the policy, setting out why it was mis-sold.
Last reviewed: June 2026 · For use in England & Wales · eLitigant is a Community Interest Company (No. 16566612), not a law firm. Always check the current official form on GOV.UK before you file, and sign the statement of truth yourself.
① Draft it from scratch
Upload your suitability letter, fact find, illustration, statements and correspondence — Chris drafts your mis-selling complaint from your facts, rule by rule.
② Check the draft you’ve written
Already drafted your complaint? Upload it and Chris reviews it against your own documents for regulatory hooks, loss calculation and remedy.
③ You’ve received a response — reply
Had a firm or FOS decision back? Run it by Chris and he reads it against your documents to show you where you stand.
The product was unsuitable. The salesperson knew it. You signed because the paperwork looked authoritative and the firm was regulated. Financial mis-selling claims remain a multi-billion-pound annual category — and the successful ones are the ones drafted with regulatory discipline.
The regulatory foundation
- FCA Principles for Businesses — fair dealing, customer interests, clear/fair/not-misleading communications
- COBS — Conduct of Business Sourcebook (investments, pensions)
- ICOBS — insurance
- MCOB — mortgages
- CONC — consumer credit
- Consumer Duty — post-July 2023 enhanced outcomes-focused standard
The main mis-selling categories in 2026
Motor finance commission
The Supreme Court judgments on disclosure of broker commission have opened a wide complaint category. Claims focus on whether the borrower was told about the commission and its amount — and whether the credit agreement was therefore fair. FOS is processing cohorts.
DB to DC pension transfers
Transfers from Defined Benefit to Defined Contribution schemes where advice was unsuitable. Tight regulation under COBS 19. Claims against IFAs are standard practice and FSCS compensation often available where firms have failed.
Interest-rate hedging / structured products
Business banking mis-selling — IRHPs, swaps, TBLs, fixed-rate loans misrepresented as “protection.” GRG-era claims still surfacing. Often significant value.
Packaged bank accounts
Monthly fee accounts sold with insurance the customer could not use. Shorter-horizon claims now but still live.
Unsuitable investments
Risk profile mismatch — low-risk customer sold high-volatility products. Retrospective suitability assessment is standard at FOS.
Let Chris draft this for you
Upload the correspondence, statements, contracts. Chris drafts a complaint the firm’s compliance team has to take seriously — regulatory breach cited, loss quantified, remedy requested with authority. You sign. You send. You keep 100% of any award.
Structure — the Litigant Standard
1. The relationship and the product
Who advised you, when, what they sold, terms, fees, commissions.
2. The regulatory hook
“The advice was unsuitable, contrary to COBS 9.2.1 R, because [specific reasons]. The commission was not disclosed contrary to COBS X / CONC Y. The product did not meet the Target Market Assessment required by PROD 4.”
3. The loss
Actual vs counterfactual — what would have happened had the advice been suitable or the product unsold. Calculation method cited (FCA Finalised Guidance on redress).
4. The remedy
Redress calculated per the FCA methodology. Interest at 8% simple. Distress and inconvenience award. Correction of records.
Claims companies vs Chris
Claims management companies charge up to 30% plus VAT of any award. For a £50,000 mis-selling award, that is £18,000 to the CMC. With a Chris draft, the full £50,000 is yours. The drafting is the same — regulatory citations, evidence bundle, loss calculation.
Can Chris draft the mis-selling complaint?
Yes. Upload the suitability letter, fact find, illustration, product documentation, statements. Chris drafts complaint with rule-by-rule regulatory breaches, loss calculation, and remedy. For complex DB pension or IRHP cases where multiple documents and rounds of correspondence are needed, Chris handles the fuller pack.
Prepare to win. Plan not to fail.
The FCA rulebook is public. The regulatory breaches are drafting. The award is yours.
Frequently asked questions
What counts as financial mis-selling?
Mis-selling arises where a regulated firm sold a product that was unsuitable for you, or did not communicate fairly and clearly. The page sets out the main 2026 categories: motor-finance commission, DB-to-DC pension transfers, interest-rate hedging and structured products, packaged bank accounts, and unsuitable investments where your risk profile did not match the product sold.
What is the regulatory foundation for a complaint?
Complaints are built on the FCA framework — the Principles for Businesses (fair dealing, customers’ interests, clear/fair/not-misleading communications), the relevant sourcebook for your product (COBS for investments and pensions, ICOBS for insurance, MCOB for mortgages, CONC for consumer credit), and the post-July 2023 Consumer Duty outcomes standard.
How should the complaint be structured?
The guide follows the Litigant Standard: (1) the relationship and the product — who advised you, when, the terms, fees and commissions; (2) the regulatory hook — the specific rule breach; (3) the loss — actual versus the counterfactual had the advice been suitable, calculated per FCA redress guidance; and (4) the remedy — redress on the FCA methodology, interest at 8% simple, a distress and inconvenience award, and correction of records.
Why use Chris instead of a claims management company?
As the page explains, claims management companies can charge up to 30% plus VAT of any award — on a £50,000 award that is £18,000 to the CMC. A Chris draft does the same drafting work — regulatory citations, evidence bundle, loss calculation — and the full award stays with you.
Can Chris draft a complex pension or IRHP case?
Yes. For complex matters such as DB pension transfers or interest-rate hedging products, where multiple documents and rounds of correspondence are involved, Chris drafts the fuller pack. Upload the documentation and Chris drafts the complaint with rule-by-rule breaches, loss calculation and remedy.
What documents should I upload?
Upload the correspondence, statements and contracts — and for advice cases the suitability letter, fact find, illustration and product documentation. Chris drafts the complaint from your own documents; you sign, you send, and you keep 100% of any award.
Draft your mis-selling complaint to elite drafting standards
Tuned for the FCA rulebook and E&W procedure. Drafted from your own documents — you sign, you send.
Draft my mis-selling complaint →
One day · one matter · unlimited drafts · no subscription · you keep 100% of any award
Related guides: Chargeback dispute guide · IOPC police complaint guide · All civil court forms