Your Rights (UK)
• Consumer Rights Act 2015 — services must be performed with reasonable care
• Payment Services Regulations 2017 — unauthorized transactions refunded within 24h
• FCA CONC 7.3 — banks must treat customers fairly on fees
• Section 75 CCA — credit card purchases £100–£30,000 protected
Escalation Path
1. Complain to bank (8 weeks to respond)
2. Financial Ombudsman Service (FOS)
3. Small Claims Court
4. FCA regulatory complaint
Key Deadlines
• Bank must respond: 8 weeks
• FOS complaint: 6 months after bank response
• Section 75 claim: 6 years from transaction
• Chargeback: 120 days from transaction