Seven ways to claim thousands of pounds in compensation

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Getting money back can give your finances a welcome boost, and there are several compensation programs you could get money from.

Banks and payday lenders are among the companies doling out compensation and it could be worth thousands of pounds.

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In some cases, claims for damages can be made in the millionsPhoto credit: Getty – Contributor

Who can get the money and how depends on the program, but here we’ve rounded up the ones you need to know about and how to check if you can get money back.

bank failures

Technical problems can often occur at banks and building societies, which means that customers do not have access to their money.

There is no official system that forces banks to pay compensation, but if some failures are severe enough and customers fall short, they can choose to make a payment.

Nationwide has said any customer hit by a January outage that caused thousands of direct debits to fail will receive £60.

If you are a Nationwide customer affected by the outage, you should have been contacted.

But if you didn’t, the bank said to contact them – here’s how to do it.

Even if your bank doesn’t initiate official compensation, you can still file a complaint if you’ve gotten the money back.

For example, if you were unable to log into online banking to pay an invoice and received a late payment penalty for doing so.

There’s no guarantee you’ll get your money back, but it’s always worth a try. Each bank has its own complaints procedure and you must complain to them directly.

If you are not satisfied with your bank’s response, you can escalate the complaint to the Financial Services Ombudsman (FSO).

Money.co.uk Personal finance expert James Andrews previously told The Sun: “If you’ve lost as a result of the service disruption, contact your bank and tell them what happened and how much it cost you.

“Provide as much evidence as possible of any charges you incurred for not being able to access your bank account for the best chance of a refund.”

broadband outages

Millions of customers have experienced outages over the last year, according to Uswitch.

Not only is it frustrating, but it can prevent you from making money with current work from home rules.

Luckily, there is an automatic compensation system, which means you can receive cash due to serious problems.

You always need to let your provider know if you’re affected by an outage – but first check that it’s not just your router.

Ernest Doku, broadband expert at Uswitch.com, told The Sun: “If it is clear that the issues are beyond your control, contact your provider and they can advise you of any issues in your area and hopefully an estimated time for resolution.

“If your connection is down for more than two days, you may be entitled to compensation of just over £8 a day.”

If it takes longer, you get the same amount for each additional day without service.

With the automatic reimbursement system, customers should automatically receive the reimbursement as a credit on their invoice within 30 days.

You’ll also pay £25 for each technician appointment missed or canceled with less than 24 hours notice.

You’ll also get £5 for each calendar day delayed until a new service starts if you switch providers.

For more information on your compensation rights, see our guide.

payday loan

Millions of customers have taken out payday loans over the years, but many have failed and companies have not adequately verified that they are affordable and repayable.

As a result, several companies have schemes in place to award those affected compensation, which in some cases can amount to thousands of pounds.

You must apply for this compensation, but if you’ve ever had a payday loan, it’s worth checking out, even if it’s been years since the loan was repaid.

For example, QuickQuid customers could receive an average payout of £850.

Money Shop, Payday Express and Payday UK customers are starting today getting cash back to be slapped into accounts.

You must provide details of the loan taken out, such as emails or letters, and prove that you could not afford the loan at the time of borrowing.

This could be the case if you were unable to pay your bills or other debts at the time you borrowed or had late repayments, or if you took out back-to-back loans.

It is best to apply sooner rather than later as some of these programs will close soon.

Those who have borrowed from Provident, Satsuma, Greenwood and Glo have until the end of February to file a claim.

Check out our guide to filing a bad loan claim for a sample letter for filing a claim from the DebtCamel blog.

It is recommended that you do not contact a claims management company as this will forfeit some of the money you get back.

Some borrowers could also get money back if a guaranteed loan was mis-sold to them.

train delays

Cold, rain and lack of staff can lead to train delays. But you could get money back if you are affected.

The delay refund rules mean you can claim money back if your train is delayed by 15 minutes or more.

How much you get back depends on the length of the delay and the type of ticket you have.

Compensation ranges from 25% of the ticket price to 100% if your train was delayed by 120 minutes or more.

Britons are estimated to lose £1,200 each year if they don’t reclaim that money from the rail company.

So next time you have to wait on a train platform, read our guide on how to get your money back.

Moldy houses

A mother received £4,500 in compensation from her local council after her house got so damp that fungus started growing in her bedroom.

You can demand compensation from your landlord for deterioration or inconveniences that are harmful to your health, acc protection.

You can take action against your landlord under the Residential Suitability Act.

Courts can issue an injunction forcing the landlord to do work or award the tenant compensation.

But you will have to pay the court costs unless you are entitled to free legal aid.

If you win your case, you may also get some of your costs back. Alternatively, you can get a payout by complaining to the Housing Ombudsman.

Tenants can also complain to a compensation system if you rent privately through an agent, but only if the agent contributed to the dispute.

Different rules apply to renters in Scotland and Northern Ireland. visit Citizens Advice Scotland and Northern Ireland direct for more informations.

group claims

Class action lawsuits are on the rise after a law change in 2015 that allows cases involving more than one person

This means millions of Brits could be owed cash for a range of issues, from overpaid card charges to data hacks.

These types of claims are relatively new and the cases involve lengthy court proceedings, so a payout cannot be guaranteed.

But several cases have already started. Some you have to join and others you could make money without doing anything – if successful.

Britons could face £300 each in a class action lawsuit against Mastercard over claims that more than 46 million people have been overcharged by the card company for more than a decade.

A data breach lawsuit is also being filed against Experian, and hundreds of thousands of drivers who own diesel cars could join the lawsuit over allegations of emissions fraud by car companies.

In some cases, a company may choose to settle the case out of court.

For example, British Airways has settled a claim from some passengers affected by a data breach.

You can check out our guide to some of the big claims, who is affected and how to join.

Services underpaid

A blunder that left thousands of people claiming Employment and Assistance Allowance (ESA) underpaid for years has resulted in a hefty payout.

The DWP has already identified 118,000 who are owed back payments to make up for the error.

But one woman who escalated her complaint to the ombudsman received compensation on top of that.

The case does not automatically mean that everyone else affected will also automatically get money back.

But the ombudsman has asked the government to submit an application. Until then, those affected can still sue in the same way, but there is no guarantee that the outcome will be the same.

Find out more about the claim, who’s affected, and see if you’re one of the thousands who should also be getting back pay.

In the meantime, you don’t have to wait for official plans.

Simply filing a complaint about something you’re not happy about could result in a refund – here’s how the UK’s biggest complainer does it.

Mom demands compensation as family of five is forced to live in community center with ‘leaks and bricks falling from ceiling’

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