The law: evidence, and a floor
The law is not the product. It is evidence, and a floor. This page is the corrected role of the site's original research: useful to a claimant today, ranked honestly, and carrying an as-at date because it is the one page-type on this site with a known expiry.
The levers, ranked
Published whole, including the last row — “you did not use it” yields nothing on its own, and that is the sentence to put on the website, in those words.
| Lever | Yields | Evidence needed |
|---|---|---|
| Cancellation information not given | Cancellation up to 12 months beyond the normal period, and nothing owed for services supplied in it | The sign-up flow as it was, the confirmation, the terms served at the time |
| Payments taken after cancellation | Full return | The instruction, its date, the payments after |
| An unfair term | The term does not bind | The terms accepted, and how presented |
| Care-and-skill failure | Repeat performance or price reduction | Records of what went wrong, when |
| Misleading action/omission (UCP, in force April 2025) | Enforcement and complaint lever | The flow, screenshots, the omission |
| Card issuer claim | Against the lender too | ⚠️ Perimeter question — launch without it, see below |
| Chargeback / direct-debit indemnity | Reversal / bank return | Statements, and speed |
| “You did not use it” | Nothing on its own | Useful as evidence, never as the claim |
The top row is the product: it ends the contract and returns money, it is arithmetic once the evidence exists, and the evidence is a screenshot rather than an opinion.
Commencement status
A page describing cooling-off rights that does not say when they take effect is treated as a leak, not a draft. Status, as at 25 August 2026:
| Regime | Status |
|---|---|
| Cooling-off on trial conversion / auto-renewal · renewal reminders · mandatory easy exit | Not in force. Spring 2027 (slipped from autumn 2026 — written statement, 13 April 2026) |
| Unfair commercial practices + direct enforcement (up to 10% global turnover) | In force since 6 April 2025 |
| Distance selling cancellation regime | In force since 2014 — the workhorse |
The closing window, honestly
The claim pool is largest now: traders have not yet been forced to tidy sign-up flows, the reach-back window is roughly 13 months, and competitors are few. It shrinks from spring 2027. This is published as a fact with its own tension rather than as urgency marketing: the product's best year is also its least defensible pitch. The second act is real — the method transfers to a larger surface with clearer obligations, arriving with a year of worked cases while everybody else is reading the guidance.
The perimeter
General consumer refunds sit outside regulated claims management (the six sectors checked). The card-issuer lever is the one row that may cross into that perimeter — it looks like a financial-services claim — so this site launches without it and takes advice before adding it. Two notes carried into that conversation: contingency fees change how a service looks to a regulator regardless of sector, and representative authority must be captured as evidence, not assumed. See the authority-capture note on the workflows page.
What is not retracted, and what is
The site's original research mapped the applicable law accurately. What is retracted is the framing that made the law the product — the correction is recorded openly rather than absorbed, because the corpus's value depends on this being said. Read the source document in full →