Chip & Roz

Chip: Reviews your statements for unexpected fees, calculates total charges over time, and drafts refund requests

Roz: Shares which charges are most commonly refunded, connects rioters on the same bank, and helps escalate to the FOS

Chip: Compares transfer costs across banks and services, calculates what you're really paying in hidden FX markups, and suggests alternatives

Roz: Shares which services actually give the best rates, connects rioters who send money to the same countries, and helps with bulk transfer planning

Chip: Reviews your case against the CRM code, drafts complaints to your bank, and helps escalate to the FOS if they refuse to reimburse

Roz: Shares what approach works with each bank, connects rioters in similar situations, and provides emotional support — this one's tough

Chip: Tracks planned closures, analyses impact assessments, and helps you respond to consultations with evidence

Roz: Connects affected communities, shares successful approaches that reversed closures, and helps organise group responses

Chip: Calculates your new payment, compares remortgage options, and helps you understand your timeline for switching

Roz: Shares tips from rioters who've navigated the switch, connects people with similar situations, and helps reduce the panic