Claim Back From Unaffordable Lending
Were you lent money you couldn't afford? Lenders have a duty of care — we'll help you claim back what you paid. Claim back from unaffordable lending.
Were you given a loan, credit card, or overdraft that you couldn't really afford? The lender may have breached their duty of care.
Lenders must assess your ability to repay before lending.
We'll help you claim back what you've paid if they got it wrong.
Why People Choose Us
Expert help recovering money from irresponsible lending practices.
Expert Knowledge of Lending Rules
We understand the complex regulations that lenders must follow and can identify when they've failed in their duties.
Even If You Made Payments
You can still claim even if you've been making payments. The issue is whether you could afford the loan when it was given.
Multiple Product Claims
We can help with loans, credit cards, overdrafts, store cards, and hire purchase agreements that were unaffordable.
No Win, No Fee
You shouldn't have to pay more when you've already been impacted by irresponsible lending. We only get paid if we win.
Types of Unaffordable Lending
These are some of the lending products we can help you claim back from if they were unaffordable when granted.
Personal Loans
Unsecured personal loans that stretched your finances beyond what was sustainable.
Credit Cards
Credit cards with limits that were too high for your income and financial situation.
Bank Overdrafts
Arranged or unarranged overdrafts that caused financial hardship due to fees and interest.
Payday Loans
Short-term, high-cost loans that created a cycle of debt due to affordability failures.
Hire Purchase
Car finance and other hire purchase agreements that were beyond your means to repay.
Guarantor Loans
Loans requiring a guarantor where proper affordability checks weren't carried out.
Don't see your lending product listed? We can help with most forms of consumer credit.
How We Help You Claim Back
Our process for recovering money from irresponsible lending practices.
Free Affordability Assessment
We review your financial situation at the time of lending to determine if proper checks were done.
Challenge the Lender
We build a strong case showing how the lender breached their duty of care and responsible lending rules.
Escalate to Ombudsman
If the lender rejects our claim, we escalate to the Financial Ombudsman Service for an independent review.
Recover Your Money
Successful claims can result in refunds of interest, charges, and sometimes the full amount borrowed.
Important: Time Limits Apply
You generally have 6 years from when the lending occurred, or 3 years from when you became aware it was unaffordable, to make a claim. Don't delay — contact us today.
Unaffordable Lending Questions
Common questions about claiming back from irresponsible lenders
A loan is unaffordable if the lender didn't properly assess whether you could repay it without experiencing financial difficulties. This includes failing to check your income, expenses, existing debts, or lending to you when they should have known you couldn't afford the repayments sustainably.
Yes, absolutely. The fact that you've been making payments doesn't prevent you from claiming. The key issue is whether you could afford the loan when it was originally granted, not whether you've managed to keep up with payments since.
Successful claims can result in refunds of interest and charges paid, removal of negative marks from your credit file, and in some cases, you may not have to repay the remaining balance. The exact amount depends on your specific circumstances and the lender's failures.
You have up to 6 years from when the lending occurred, or 3 years from when you became aware the lending was irresponsible. However, the Financial Ombudsman Service may accept complaints outside these time limits in exceptional circumstances. The sooner you act, the better your chances.
We'll need details about the loan or credit product, when it was taken out, and information about your financial situation at the time. Don't worry if you don't have everything — we can help gather the necessary documentation and evidence to support your claim.
Ready to check if you can claim from unaffordable lending?