In my last blog I suggested that something big was coming for the UK Banking System. And if you’ve been keeping an eye on the financial headlines, then it looks like that prediction has partially become a reality.

The Supreme Court has issued a landmark ruling on historical motor finance practices. Discretionary Commission Arrangements related cases are still likely to be upheld under FCA rules, whilst other complaints may still be pursued on a case-by-case basis, particularly where there is evidence of excessive commission or misleading documentation. Following the ruling, the FCA estimates that customer remediation could still amount to as much as £18 billion.

The Supreme Court ruling whilst not as wide ranging as it could have been, will still trigger one of the largest customer remediation exercises in years. This means that, you and your team could be tasked with identifying affected customers, recalculating repayments, and issuing redress at speed, scale and under a microscope.

If you are already operating under stretched resources, ageing systems, and increasing scrutiny, it might feel like this ruling could be a tipping point.

So, here’s the all-important question: are you ready to act quickly and responsibly?

The problem you are likely facing

It’s possible you’ve been through something like this before, for example, PPI, investment mis-selling, or the pandemic-era payment holidays. Therefore, you know the drill: high volumes, high visibility and high stakes. If the past has taught us anything, it’s that even well-intentioned banks can stumble when they don’t have the right capabilities available.

You may already be thinking: Where do I even begin? How can I move fast without cutting corners?

The good news is you don’t need to reinvent the wheel.

Here’s where remediation accelerators apply

This is where a different approach can make all the difference. Enter: remediation accelerators.

These are not just tools or templates; they’re the fast-track to readiness. Think of them as frameworks you can slot into your existing operations to dramatically reduce the time, cost, and risk involved in putting things right for your customers.

What does that look like in practice?

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Data readiness frameworks 

Help you to start with clean, structured, reliable data, so you’re not scrambling later.

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Pre-built calculation engines 

Tailor to specific products, rates, or contract types, cutting through complexity with confidence.

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Standardised documentation and dashboards 

Bring transparency, reduce rework, and help you keep regulators in the loop.

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Operational playbooks 

To guide your teams from discovery to delivery, so everyone knows what to do, when, and how.

These accelerators aren’t just useful. They’re essential when time is short and expectations are sky-high.

Why this matters now — not later

  • Regulatory decisions like this don’t just test your operations — they test your values, your brand, and your ability to maintain trust
  • Public and media scrutiny will be intense. Customers won’t just want redress — they will want fairness, speed, and clarity
  • The FCA will want evidence
  • Delays caused by bad data, inaccurate customer handling strategies, or unclear processes don’t just slow you down.  They open you up to reputational risk, regulatory fines, and in some cases, legal challenges

The last thing you want to do is figure all this out under pressure.

There is a way forward

These challenges may seem insurmountable, but here’s the great news: you can start preparing now. By doing so, you put yourself in the driver’s seat by not just reacting, but leading.

These are some of the steps we’d recommend:

  • Take stock of your current remediation tools. Are they up to the challenge?
  • Stress-test your customer and product data, especially for legacy motor finance portfolios
  • Map out potential impact scenarios. Don’t wait for certainty to plan
  • Understand who your customers are and think about the right way to engage with them. Consider your brand, your reputation, and your principals
  • Begin embedding or updating remediation accelerators in the areas that matter most

Taking immediate action isn’t about over-preparing — it’s about being ready to act the moment you need to.

Why we can help

We’ve been in the trenches with organisations like yours. We’ve helped banks mobilise remediation at pace, and we’ve observed first-hand the difference that structured, well-governed accelerators can make.

The banks that weathered previous storms best weren’t the ones with the biggest budgets, they were the ones who invested early in readiness. They regarded remediation not just as a problem to fix, but as a chance to prove their commitment to doing the right thing.

You can be one of those banks. To find out how, contact us today or check out our financial services expertise in data remediation.

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