Irresponsible Lending - what is it?

If you had a credit card, loan or overdraft from certain lenders, you could qualify.
  •  No Win, No Fee service
  •  Claim back £1,000's
  •  Simple online claims service
SSL Secure Connection

As featured on:

As featured on: 'The Daily Mail', 'The Sun', 'Evening Standard', 'Yahoo', 'MSN', 'Sky News'

Find out if you qualify


SSL Secure Connection

Have you had a credit card or loan that you struggled to repay?

Top Tip! Make sure you include all the lenders you've had an account with.

Tell us which lenders you have had an account with for 2 or more years

Please Note: If you are in arrears with the lender or are currently/have previously been in a debt solution (e.g. IVA, DMP, Bankruptcy), the lender may use any compensation towards those debts. Your lender may limit, suspend or close your account because of your claim.

Great! It looks like you may qualify. We just need a few personal details to set-up your case.

Your name
Date of Birth
Contact details

Next, we need your home address to locate your account. Please confirm your address below.

We have your home address as:






Is this correct?

Do you have a previous addresses that the lender may hold for you?

Enter your previous address, or continue to the next step

OR

Which of the following best describes the reason you are using Direct Redress to process your claim?

Please tick the appropriate answer:

Your signature

Sign within the box below.

    This is a No Win, No Fee service.

    Almost finished
    Tick the box and follow the steps to grant us access to your credit report and give your claim the best chance of success.

    Follow the steps below:

    Thank you,
    we have received your details.

    One of our experienced claims handlers will review your case and begin the claims process.

    Before you go...

    Have you had an
    Unaffordable Overdraft?

    Find out if you could be owed £1,000s.

    Start your Overdraft Claim This is a No Win, No Fee service.

    You've not selected any lenders that we can investigate. If you've made a mistake: Click here to start over

    Processing..

    Some of the reasons you could claim for Irresponsible Lending

    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?
    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.
    Refinancing
    You had to take out further credit to pay the initial one back.
    Risks not made clear
    Were you made aware of the risks associated with borrowing more?
    Fees or charges not clear
    When you took out the credit were the charges and associated fees made absolutely clear to you?
    Encouraged to borrow further
    Did your credit card provider increase your credit limit without asking you?
    Your circumstances
    Did the lender take into consideration your situation and personal circumstances.
    Unfair lending
    Did your lender continue to offer more credit through debt consolidation?

    Lenders should be conducting the required checks

    Prior to receiving a credit card or loan, the lender should assess your income and essential expenditures. This data, coupled with information about any existing debts, is utilised to evaluate whether you can comfortably meet the new monthly repayment obligations.

    Start my Claim

    How do I claim?

    We do all the hard work for you

    Step 1:
    Submit Your Details

    We've made it incredibly easy for you to apply. All we need are some basic details to get your claim started.

    Step 2:
    We Check Your Claim

    We'll gather all the necessary information directly from your provider and then carefully construct and present your case.

    Step 3:
    You Get Paid

    It's as simple as that, we do all the heavy lifting, to get you back the money you could be owed.

    Remember, we offer a No Win, No Fee service.


    Start my Claim

    Frequently Asked Questions

    Are irresponsible lending claims No Win, No Fee?
    What happens when a claim is successful?
    Can I stop repayments when I make a claim?
    What happens to my account whilst it is being investigated?

    Why choose Direct Redress?

    We've been successfully helping clients to get back what they are owed for 14 years.


    We put you first

    We put you at the centre of everything we do and strive to deliver a great experience for you. All of our customers receive our first class service.

    We do the right thing

    We're fair, honest and upfront, and do our best for you every time. All financial institutions have a responsibility to act fairly, and it's our job to hold them to account.

    We go the extra mile

    We take the time to carefully understand where a financial institution has acted unfairly and continue to fight your corner to recover the money they owe.

    Our dedicated team of claims experts will use their specialist understanding to carefully construct and present your case to lenders, keeping you updated every step of the way. We believe all lenders have a duty to operate ethically, and we are unrelenting in our pursuit to get you back the money you could be owed.

    Our Fees

    We work on a No Win, No Fee basis and our fees are charged only in the event of a successful claim on the win amount awarded.

    Our fees are in accordance with the guidance from the Financial Conduct Authority.

    Our fee is calculated as a percentage of the win awarded, if there's no win there's no fee.

    Start my Claim
    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
    £50,000+ 15%+VAT

    How we help

    We've been helping customers with claims for over 14 years.


    We're well known throughout the industry for our huge success in reclaiming over £100 Million for our customers, across various types of claims.

    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.


    £100 Million+

    Reclaimed for our thousands
    of happy customers


    14 Years

    Experience working in the
    claims industry


    250,000+ Clients

    We've helped thousands
    reclaim compensation


    No Win, No Fee

    You only pay a fee if your
    claim is successful

    At Direct Redress, 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. You do not have to use a claims management company to pursue a claim. You can always contact the organisation directly and make use of the Financial Ombudsman Service if dissatisfied.

    Our No Win, No Fee service is simple and easy.

    All of our irresponsible lending mis-selling claims are covered by our No Win, No Fee service.