The payouts are paused.
The queue is not.

The FCA's £7.5bn scheme is under legal challenge until ~November 2026. Nobody is being paid yet — anyone who says otherwise is lying to you. What you can do now: get your agreements found and your paperwork ready, so you're at the front when it unblocks.

No payouts now — honestPaperwork ready for the gateFree routes explained first

The real timeline

NowScheme pausedFour legal challenges. FCA defending. Lenders quietly preparing data.

~Oct–Nov 2026Tribunal decidesScheme proceeds, gets amended, or parts get struck. Then everything moves at once.

ThenMillions of claims moveComplaints already on file get processed first. That's the whole argument for preparing now.

You do not need us. You can complain directly to your lender for free, and escalate to the Financial Ombudsman Service for free. Under the FCA scheme, lenders must contact eligible customers anyway. We exist for people who want the searching, paperwork and chasing handled — on a no-win-no-fee basis with FCA-capped fees.

Why this version exists — CRO defence (internal)

Target segment	Queue-aware pragmatists; people who half-started claims elsewhere; existing complainants
Hypothesis	True-urgency (the gate) out-converts fake-urgency and survives compliance review
Pattern evidence	Total Claim runs register-and-queue publicly; it is the only urgency framing that is BOTH true and CMCOB-safe — scarcity from reality, not invention
Timing fit	Purpose-built for the paused-scheme window (now → Tribunal); retire or rewrite the day the decision lands
Test metric	Registration completion + retention through to scheme-unlock (list quality over volume)
Risk	Tribunal guts the scheme → page must convert to "what the judgment means for you" within 24h — copy swap pre-drafted

The payouts are paused.The queue is not.

The real timeline

Why this version exists — CRO defence (internal)

The payouts are paused.
The queue is not.