Ben Whitfield

Head of Consumer Guidance

BW

Ben Whitfield

Head of Consumer Guidance

Ben writes the guides and templates that let people run their own claims without paying us anything. He is aware of the tension in that and considers it the point.

Section 75 10 Jun 2026 7 min read

Debit or credit: the protection gap nobody explains at the till

Section 75 applies to credit cards only. Paying $150 of a large purchase by credit card and clearing it immediately costs nothing and transforms…

BW Ben Whitfield

Your Consumer Rights 3 Jun 2026 6 min read

Your bank can stop a subscription payment without the company's permission

You can instruct your bank to cancel a continuous payment authority and it must act. It cannot require you to sort it out with…

BW Ben Whitfield

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$12,650 recovered, unauthorised card transactions $3,880 recovered, goods never delivered $940 recovered, duplicate card charges $6,200 recovered, kitchen deposit, failed trader $48,000 recovered, romance scam reimbursement $31,200 recovered, fake trading platform $880 recovered, gym contract mis-sold $19,400 recovered, impersonation scam reimbursement $1,730 recovered, subscription billed after cancelling $2,480 recovered, retailer insolvency, Section 75 $7,300 recovered, holiday cancelled, no refund $25,400 recovered, crypto investment scam $4,150 recovered, building work never started $16,900 recovered, bank transfer fraud

Debit or credit: the protection gap nobody explains at the till

Your bank can stop a subscription payment without the company's permission

Know your rights before you need them