Claim Compensation for Loans That Should Not Have Been Approved
Check whether your lender failed to carry out proper affordability checks before approving your loan or credit agreement.
An irresponsible lending refund claim is a complaint made when a lender approved credit without properly checking whether you could afford the repayments.
Lenders are expected to assess affordability, review your financial situation, and ensure the borrowing is suitable before offering loans, credit cards, car finance, payday loans, catalogues, overdrafts, or other credit products.
If the lender failed to carry out proper checks, ignored signs of financial difficulty, or approved borrowing that made your situation worse, you may be entitled to compensation.
You may qualify if:
This claim helps you review whether the lender acted fairly and whether you may be owed a refund of interest, fees, charges, or additional compensation.
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An irresponsible lending refund claim is a complaint made when a lender approved borrowing without properly checking whether you could afford the repayments. If the credit was unaffordable or made your financial situation worse, you may be able to claim compensation.
You may qualify if you:
● Took out a loan, payday loan, credit card, catalogue account, overdraft, car finance, or other credit agreement
● Struggled to afford the repayments
● Had to borrow again to keep up with existing debt
● Were offered repeat borrowing, top-ups, or credit limit increases despite financial difficulty
● Believe the lender failed to check your income, expenses, debts, or affordability properly
Irresponsible lending claims can relate to many types of credit, including personal loans, payday loans, guarantor loans, credit cards, catalogues, overdrafts, car finance, store cards, and other finance agreements where affordability checks may not have been carried out properly.
Times vary depending on the lender and the details of the case. Some complaints may be reviewed within a few weeks, while more complex claims can take several months, especially if they need to be escalated.
Refund amounts vary depending on the borrowing, interest, fees, charges, and how the lender handled the agreement. A successful claim may result in a refund of interest and charges, plus additional compensation in some cases.
Yes. If the complaint is upheld, compensation may include interest, fees, and charges paid over time. In some cases, negative markers such as missed payments or defaults may also be reviewed or removed from your credit file.
It’s very easy to complete our 60-second form. The form simply asks for a few basic details so the claim process can begin.
Our Monthly Membership is £9.99 per month and our Annual Membership is £99.99 per year. The Financial Health Check will be £99.99 per year when launched. You keep 100% of any refunds you claim & we never take a cut.
