How does it work?
There are an estimated 60 million credit cards in circulation in the UK, more than two thirds of people have at least one.*
Lenders were only meant to provide these products (store cards, credit cards or loans) if they were suitable, but instead borrowers were often encouraged to increase their credit limits or take an additional loan or card without completing the proper checks.
If they did not do these checks correctly your account could have been mis-sold, and you could be due a refund.
Use our Free Assessment to find out if you qualify.
Start Your Free Assessment
Don't worry - you don't need your account information or paperwork.
Some of the reasons you could claim
Below are only a few of the reasons you may have a claim. Don't worry, use our Free Assessment and we'll find out for you.
No affordability checks
Did the lender make affordability checks when you opened the account and if you increased your credit limit?
Fees or charges not clear
When you took out the credit were the charges and associated fees made absolutely clear to you?
Unable to pay bills
Your payments for credit grew to the point that you struggled to pay for your monthly essentials like bills or mortgage payments.
Encouraged to borrow further
Did the lender give you offers that encouraged spending, cash advances or better deals the more you borrowed?
You had to take out further credit to pay the initial one back.
Did the lender take into consideration your situation and personal circumstances.
Risks not made clear
Were you made aware of the risks associated with borrowing more?
Did your lender continue to offer more credit through debt consolidation?
We take great pride in our customer service and always seek to deliver the highest standards of customer care. We strive for consistent, positive customer satisfaction.
How we can help?
We believe that lenders have a responsibility to operate ethically. We work to hold lenders accountable when they engage in irresponsible lending practices and fight to get back the money you are owed.
If you have been the victim of irresponsible lending, we are here to help. We believe that everyone deserves a fair chance to access credit on fair terms, and we are committed to fighting against irresponsible lending practices.
We put you first
We put you at the centre of everything we do and strive to deliver an exceptional experience for you.
We do the right thing
We're fair, honest and upfront, and do our best for you every time.
We go the extra mile
We go above and beyond for our clients and for each other.
We work on a No Win, No Fee basis and our fees are charged only in the event of a successful claim on the refund amount awarded.
Our fees are in accordance with the guidance from the Financial Conduct Authority and are detailed in the table opposite.
Our fee is calculated as a percentage of the refund awarded, if there's no refund there's no fee.
|Refund Amount||% Fee Rate|
|£1 - £1,499||30%+VAT|
|£1,500 - £9,999||28%+VAT|
|£10,000 - £24,999||25%+VAT|
|£25,000 - £49,999||20%+VAT|