Money Saving Expert Martin Lewis is urging Brits to be cautious about third-party firms claiming to help recover Child Trust Fund (CTF) money. He warns that thousands of young adults are unaware they are owed an average of £2,212 each, but these companies are charging exorbitant fees for a service that’s easily done for free. This article explains how the CTF scheme works, who is eligible, and how to claim your money directly from HMRC.