Untap · Journal
The research journal
Short, source-cited essays on money UK consumers are owed and don’t claim. Every figure traces to a public source. The full dataset behind each piece is downloadable.
22 May 2026 · 5-minute read
The Coffee Machine You’re Owed
A year of unclaimed refunds across the four services UK adults use every week — trains, London transport, flights and parking — stacks to roughly £170 a year per eligible person. About the price of an entry-level coffee machine. The money sits there because every category has its own rulebook.
14 May 2026 · 7-minute read
Money Owed · Renters
Renting in England changed on 1 May 2026. No-fault eviction is gone, fixed-term contracts are gone, Rent Repayment Orders have doubled to 24 months. Plus an older rule still in force: a landlord who fails to protect your deposit within 30 days owes you between one and three times the deposit on top.
13 May 2026 · 6-minute read
Money Owed · Class Actions
Five UK class actions that affect tens of millions of consumers. The biggest is £7.5 billion the FCA has set aside for motor-finance customers, with the first letters going out from 30 June 2026. Four more cases (Mastercard, Apple, PlayStation, Google) sit at different stages.
11 May 2026 · 8-minute read
Money Owed · Councils
Five council-tax discounts UK households most often miss. The biggest, for severely-impaired adults, can be worth more than £14,000 in backdated cash. Single Person Discount, second-home exceptions, Disabled Band Reduction and the live-in carer disregard fill out the list.
9 May 2026 · 5-minute read
Money Owed · HMRC
Around £1.5 billion in HMRC reliefs goes unclaimed by UK adults each year. The five reliefs most worth checking, what each is worth per person, and how to claim them. The 4-year backdate window means most claims today recover up to four prior tax years.
2 May 2026 · 6-minute read
Worth a Letter
UK drivers receive 23 million parking tickets a year. About half of the tiny share that get appealed are upheld in the driver’s favour. The maths consistently favours appealing. Almost nobody does.
1 May 2026 · 6-minute read
Three Hours, Six Years
UK261 owes air passengers £220 to £520 in cash when a flight runs 3+ hours late. Around £1.7 billion of it goes unclaimed each year, and a 2024 Supreme Court ruling just narrowed the airlines’ favourite excuse.
30 April 2026 · 5-minute read
The Forgotten Tap
In 2023, TfL collected £164.7 million in maximum fares from passengers who didn’t tap correctly. Most of that money has to be claimed back, and most never is.
28 April 2026 · 20-minute report
Late Britain · The 2026 Rail Compensation Index
When trains fail, how often does the passenger get paid? An audit of UK Delay Repay across 24 operators, FY 2024 to 2025.