For disputes & claims

    Mis-Sold Spray Foam? Independent Evidence for a Section 75 or FOS Claim

    If you paid for spray foam on finance or credit card and the work was mis-sold or poorly installed, you need independent technical evidence to support your claim.

    £295 fixed

    This is a structured independent inspection plus a review of the documentation and handover pack — produced specifically to support a Section 75 claim, a Financial Ombudsman complaint, or an Insurance-Backed Guarantee claim. Photo-evidenced, certificate-mapped, fact-vs-opinion separated.

    Call Jan — 07349 718935
    DEA Qualified — ABBE Level 3In line with PCA (Property Care Association) guidanceFact vs opinion separatedNo removal arm — fully independent

    Who this is for

    This service is for homeowners who paid for spray foam — often via finance or credit card — and now believe the installation was mis-sold, badly executed, or non-compliant with the product's own BBA certificate.

    It is also for homeowners whose complaint to the installer or finance provider has been rejected, and who need an independent technical report to escalate the matter under Section 75 of the Consumer Credit Act, to the Financial Ombudsman Service, or against an Insurance-Backed Guarantee.

    It is structured for use by claims firms, solicitors, ombudsman case handlers, and finance providers — produced by an assessor with no commercial relationship with any installation or removal company.

    What the report covers

    • Full independent loft inspection — foam type, condition, coverage, adhesion
    • Calibrated moisture meter readings (%MC) per timber location
    • Protmex HT607 psychrometer readings at loft apex — RH, dew point, wet bulb
    • Ventilation pathway assessment — eaves, ridge, soffits
    • Photographic record cross-referenced to findings
    • BBA certificate cross-reference — installation vs product certification
    • Document and handover-pack review — hygrothermal analysis, warranty, IBG paperwork, installer certifications
    • Fact-vs-opinion separation throughout the written report

    What you can do with this report

    • Submit as supporting evidence in a Section 75 claim with your credit card or finance provider
    • Submit to the Financial Ombudsman Service alongside a rejected complaint
    • Use to support an Insurance-Backed Guarantee (IBG) claim where the installer has ceased trading
    • Provide to a claims firm or solicitor instructed on the case
    • Keep as a permanent independent record of what was installed at your property

    Evidence — not a guaranteed outcome

    The report documents what is in your loft and what the paperwork does — or does not — show, measured against the BBA certificate conditions and the standards that applied at the time of installation.

    Whether a Section 75 claim, FOS complaint, or IBG claim succeeds is for your credit provider, the ombudsman, or the insurer to decide. SprayFoamCheck provides the independent technical evidence that decision rests on. The findings are what they are — favourable or not.

    What this report is not

    • ×Not legal advice — instruct a solicitor or regulated claims firm for that
    • ×Not a guarantee of refund or claim success
    • ×Not a RICS valuation or structural engineer's assessment
    • ×Not produced by anyone with a financial interest in installation or removal

    Frequently asked questions

    See an example anonymised report (PDF) →Installer ceased trading? See IBG / Section 75 route →Standard Spray Foam Inspection →How it works →Recent inspections →

    Ready to evidence your claim?

    Covering North West England and North Wales. Fixed fee £295. Report within 48–72 hours of inspection.

    07349 718935