Sources and review dates

Contextual satisfactory quality; price, description, safety, durability and disclosure/examination qualifications.

Limitations: UK extent. Latest available revised text; site warns that unapplied/future effects may exist. Not a full amendments audit.

Six-month delivery presumption covers specified repair/final-remedy limbs, not short-term rejection; rebuttal and incompatibility exceptions; no automatic rejection.

Limitations: UK extent. Latest available revised text; site warns that unapplied/future effects may exist. Not a full amendments audit.

Clear rejection communication; collection/return; price actually paid under HP; refund timing, means and fees; severable-contract caveat.

Limitations: UK extent. Latest available revised text; site warns that unapplied/future effects may exist. Not a full amendments audit.

30-day start conditions; inclusive waiting period; conditional seven-day minimum after failed repair; agreed extensions.

Limitations: UK extent. Latest available revised text; site warns that unapplied/future effects may exist. Not a full amendments audit.

Repair/replacement costs, proportionality, reasonable time and agreed-repair constraints; no fixed repair deadline.

Limitations: UK extent. Latest available revised text; site warns that unapplied/future effects may exist. Not a full amendments audit.

Final-remedy gateways, completed attempt, motor-vehicle deduction-for-use exception, missed-collection exclusion.

Limitations: UK extent. Latest available revised text; site warns that unapplied/future effects may exist. Not a full amendments audit.

Linked-credit like claim and excluded cash-price bands; do not treat every personal loan as HP or s75.

Limitations: Other debtor-creditor-supplier and agreement conditions apply; outside first journey.

Supplier role under the specified finance arrangements; complaint route.

Limitations: Read agreement-specific context; not a statement about every personal loan or a guaranteed outcome.

HP/conditional-sale supplier responsibility; consumer contracts from 1 October 2015; evidence; repair/replacement/price reduction/rejection; contextual redress.

Limitations: Guidance describes approach, not binding precedent or automatic awards.

User voice, factual plain drafting, careful checking, privacy caution, direct free FOS route.

Limitations: AI may introduce inaccurate/irrelevant legal arguments and delay a complaint.

Ordinary respondent receipt clock; final or prescribed delay response; separate payment-service rules.

Limitations: Page displayed as of 16 October 2026, updated 1 June 2026; future versions are not applied.

Early final response/summary resolution or eight weeks; six-month sent-date rule; six-year/three-year limb; exceptions and consent.

Limitations: Ordinary route only; scheme and other special provisions can modify outcome. Qualifying response and constructive awareness need review.

Do not apply commission-scheme suspension to all car-quality complaints; mixed/scheme cases need current specialist review.

Limitations: Volatile current statement, not a calculator for commission claims. Do not hard-code scheme deadlines from this POC.

General prohibition subject to authorisation/exemption.

Limitations: Read with RAO specified activities and exclusions; no MotorComp-specific determination.

Claims-management specified activities require business/territorial analysis.

Limitations: Read with RAO specified activities and exclusions; no MotorComp-specific determination.

Broad services and claim definition includes regulatory schemes, repayment and other relief, not just litigation.

Limitations: Read with RAO specified activities and exclusions; no MotorComp-specific determination.

Definitions of financial claim, investigation, representation and GB provider/claimant connection.

Limitations: Current revised provision; no finding that an exclusion applies to MotorComp.

Seeking out, referring and identifying specified claims/claimants, including financial claims.

Limitations: Current revised provision; no finding that an exclusion applies to MotorComp.

Financial-services/product claim advice, investigation and representation are specified activities.

Limitations: Current revised provision; no finding that an exclusion applies to MotorComp.

Conditional legal-practitioner exclusion; professional review of a product alone does not establish it.

Limitations: Current revised provision; no finding that an exclusion applies to MotorComp.

Conditional entity exclusion; free commercial POC is not automatically a qualifying entity.

Limitations: Current revised provision; no finding that an exclusion applies to MotorComp.

Advice includes merits, procedure, presentation and challenging outcomes; investigation and representation definitions.

Limitations: PDF extraction has column/page ordering artefacts and may include future unrelated content. CMC propositions corroborated by RAO89F/G/I and FCA regulation page; not an audit of the whole PDF.

GB provider or claimant connection; Northern Ireland is not an automatic exemption.

Limitations: Example quoted is a regulated-activity example where carried on by way of business without exemption/exclusion.

Separate lead-generation and sector advice/investigation/representation permissions; permissions and actual activities must match.

Limitations: Page includes historical transition text. Do not reuse old 2019 application windows; current page last updated 3 December 2025.