Irresponsible Lending - what is it?

If you had a credit card or loan from certain lenders, you could qualify.

Lenders were only meant to provide these products if they were suitable.
But instead they frequently increased credit limits or encouraged people to take additonal loans, 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.


  •  No Win, No Fee service
  •  Claims worth up to £12,436.08
  •  Simple online claims service

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

Find out if you qualify in 60 seconds

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 the lender give you offers that encouraged spending, cash advances or better deals the more you borrowed?
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 your Free Assessment

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 your Irresponsible Lending 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 13 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 your Free Assessment
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 13 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


13 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.

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