Deliver Automatic Compensation for Systemic Harm

Introduce a Default Redress system where compensation is automatically delivered to affected individuals when systemic harm is identified.

The UK has seen repeated examples of large-scale harm where individuals are required to take action to receive compensation.

This includes cases such as:

– Payment Protection Insurance (PPI) mis-selling
– Car finance commission issues
– Post Office Horizon scandal
– Contaminated blood scandal affecting haemophiliacs
- Grooming gangs cover up

In each case:

– Institutions held the data and responsibility
– Individuals had to identify themselves as affected
– Claims processes were time-consuming and complex
– Many people paid third parties to access what they were already owed

This creates unnecessary friction, delays justice, and reduces fairness.

The Idea

When harm is systemic and identifiable at scale, compensation should be:

– Automatic by default
– Calculated centrally
– Delivered without the need to claim

A standard UK Redress Protocol should be introduced and triggered whenever regulators identify widespread harm.

How It Would Work
– Organisations must identify affected individuals using existing data
– Compensation is pre-calculated using agreed methods
– Payments are issued automatically (opt-out rather than opt-in)
– Individuals retain the right to challenge or appeal
– Oversight provided by regulators such as the Financial Conduct Authority

Clear and practical:

– Automatic compensation for affected individuals
– Reduced need for claims management companies
– Faster resolution of large-scale issues
– Lower administrative burden on individuals
– Increased trust in institutions and regulators