Material
Why this keeps happening
What happened in Burnley was not a one-off. It is the product of a system that makes high volume claims profitable to start and leaves consumers carrying the risk when they go wrong. Our white paper sets out how that system works and what it would take to fix it.
White paper
1. How claims are found
Lead generation and cold calling feed households into claims on a volume basis. Housing disrepair and cavity wall insulation claims are among those sold this way.
2. How claims are funded
High volume claims need capital up front. Some of that comes from external funders. Consumers cannot see who funds or owns the firms acting for them.
3. Where regulation falls short
Claims management companies answer to the FCA. Law firms answer to the SRA. Neither applies a single meaning to "no win, no fee". Property claims carry no automatic protection from the other side's costs, and the insurance that fills the gap can be voided by the firm.
4. What happens when firms fail
There is no backstop. When a high volume firm collapses, the costs risk passes to its clients.
The evidence
Around 1,700 households brought cavity wall insulation claims through SSB Law.
Source awaiting supply. Figure requires final review.
Polling results and methodology awaiting supply.
Where this fits
The FCA is studying the claims management market now, including housing disrepair claims, fees, funding and insurance. Its interim findings are due in December 2026. The Government has also asked for evidence on housing disrepair claims. Our proposals are designed to be taken up through both.
One page asks sheet awaiting supply. Download unavailable.
Fact Sheet
Fact Sheet asset or intended page awaiting confirmation.