What it is
A deeper analytical report that turns raw customer and agreement data into a justified compensation figure. It sets out the method, inputs, assumptions, and risk indicators—so reviewers can see what’s owed and why at a glance.
How it works
Data ingestion – Agreement details, payment history and relevant customer context.
Affordability reconstruction – Recreates the checks the lender should have run at application, including average discretionary income (typically using the three months pre-agreement).
Risk & vulnerability review – Highlights indicators such as gambling behaviour, persistent overdraft usage, arrears or defaults.
Redress calculation (FOS-aligned) – Quantifies loss (e.g., total interest paid on the finance) and states assumptions; statutory interest can be excluded or shown separately.
Audit-ready output – A concise report with the redress figure, component breakdown and a dated completion stamp.
Why it matters
Defensible outcomes – Transparent methodology and full audit trail reduce disputes and rework.
Reviewer-friendly – Plain-English rationale with the numbers to back it up.
Operational speed – Consistent templates accelerate triage and case closure at scale.
Consistency – Standardised approach across internal teams and suppliers.
What’s included
Executive summary with affordability conclusion.
Calculation section showing method and components (e.g., interest refund basis).
Risk/vulnerability indicators and any escalation flags.
Clear note on statutory interest treatment (e.g., 8% simple interest excluded by default).
Timestamped, export-ready PDF (and optional JSON) for your platform.
Use cases
Legal, remediation and complaints teams quantifying consumer redress.
Evidence packs for lender/ombudsman submissions.
Standardising outcomes across high-volume claim reviews.
FAQs
What methodology do you use?
A Financial Ombudsman Service–aligned approach that reconstructs affordability and quantifies loss (commonly using total interest paid on the amount financed).
Is statutory interest included?
By default, statutory interest (e.g., 8% simple) is not included; it can be shown separately where required.
Get started
Want clearer, faster, defensible decisions? Quantum Analysis brings structure and transparency to every claim. Compare packages or request a demo to see it in action.
What it is
A deeper analytical report that turns raw customer and agreement data into a justified compensation figure. It sets out the method, inputs, assumptions, and risk indicators—so reviewers can see what’s owed and why at a glance.
How it works
Data ingestion – Agreement details, payment history and relevant customer context.
Affordability reconstruction – Recreates the checks the lender should have run at application, including average discretionary income (typically using the three months pre-agreement).
Risk & vulnerability review – Highlights indicators such as gambling behaviour, persistent overdraft usage, arrears or defaults.
Redress calculation (FOS-aligned) – Quantifies loss (e.g., total interest paid on the finance) and states assumptions; statutory interest can be excluded or shown separately.
Audit-ready output – A concise report with the redress figure, component breakdown and a dated completion stamp.
Why it matters
Defensible outcomes – Transparent methodology and full audit trail reduce disputes and rework.
Reviewer-friendly – Plain-English rationale with the numbers to back it up.
Operational speed – Consistent templates accelerate triage and case closure at scale.
Consistency – Standardised approach across internal teams and suppliers.
What’s included
Executive summary with affordability conclusion.
Calculation section showing method and components (e.g., interest refund basis).
Risk/vulnerability indicators and any escalation flags.
Clear note on statutory interest treatment (e.g., 8% simple interest excluded by default).
Timestamped, export-ready PDF (and optional JSON) for your platform.
Use cases
Legal, remediation and complaints teams quantifying consumer redress.
Evidence packs for lender/ombudsman submissions.
Standardising outcomes across high-volume claim reviews.
FAQs
What methodology do you use?
A Financial Ombudsman Service–aligned approach that reconstructs affordability and quantifies loss (commonly using total interest paid on the amount financed).
Is statutory interest included?
By default, statutory interest (e.g., 8% simple) is not included; it can be shown separately where required.
Get started
Want clearer, faster, defensible decisions? Quantum Analysis brings structure and transparency to every claim. Compare packages or request a demo to see it in action.
