You may be able to reclaim money for:

• Flight delays or cancellations

• Forgotten or uncashed cheques

• Bank charges or unfair fees

• Energy account credit balances

• Train delays and cancellations

• Car finance overpayments or mis-sold finance agreements

• Insurance refunds

• Subscription overpayments

• Healthcare travel costs (eligible medical journeys)

• Diesel emissions compensation

• Student loan overpayments

Eligibility depends on the type of claim and your specific circumstances. In general:

• Flights – You may qualify if your flight was delayed 3+ hours or cancelled and it was the airline’s fault.

• Train delays – Many rail companies refund part or all of your fare depending on the delay length.

• Energy credit – If you’ve switched supplier or closed your account, you may be owed a refund.

• Bank charges – You may be able to challenge certain unfair or incorrectly applied fees.

• Car finance – If your agreement involved hidden commission or mis-selling, you could be owed compensation.

• Subscriptions – You may be entitled to a refund for unused services, duplicate charges, or failure to cancel properly.

• Healthcare travel costs – You may be eligible for reimbursement for certain medical-related travel expenses.

• Diesel emissions – If you owned or leased an affected diesel vehicle, you may qualify for compensation.

• Student loans – You may be owed a refund if you’ve overpaid or were incorrectly charged.

Time limits vary by claim type, but commonly:

• Flights – Often up to 6 years (depending on jurisdiction).

• Bank charges – Typically up to 6 years.

• Car finance – Often up to 6 years from agreement end or discovery of mis-selling.

• Energy refunds – Usually within 6 years.

• Subscription refunds – Varies by provider and payment method.

• Diesel emissions – Deadlines may apply depending on legal action timelines.

• Student loans – Overpayments can often be reclaimed once identified.

Compensation depends on the type of claim:

• Flights: Often £220–£520 per passenger (depending on distance and delay).

• Train delays: Typically 25%–100% of ticket cost.

• Car finance: Potentially hundreds or thousands depending on agreement size.

• Energy credit: Full outstanding balance.

• Bank charges: Refund of incorrectly applied fees plus possible interest.

• Subscription refunds: Refund of unused or incorrectly charged amounts.

• Healthcare travel: Reimbursement of eligible travel expenses.

• Diesel emissions: Compensation amounts vary depending on vehicle and claim outcome.

• Student loans: Refund of overpaid amounts.

Yes. You can submit multiple claims (for example, a flight delay, subscription refund, and student loan overpayment) at the same time.