The types of claims we handle
At TMS Legal, we specialise in helping individuals reclaim redress for unaffordable lending by challenging irresponsible lending practices.
Our seasoned team has the expertise to handle a variety of claims. Below are the types of claims we most commonly deal with:
Car Finance Claims
If you've been burdened with an unaffordable car finance agreement, or suffered one in the past, we can potentially help you challenge the creditor and reclaim your losses. Our team understands the intricacies of lending regulation and will fight to ensure you're treated fairly.
Store Cards
Store cards are basically another type of credit card. Enticing you in with the temptation of things you often can't afford today but will need to pay later potentially including interest. This is another example of lending where sufficient checks are not always carried out.
Overdraft Claims
Many of us have an overdraft facility with our current account. The way that you use this facility is not always the way it was intended for. Your lender should be monitoring this and adapting the overdraft agreement accordingly.
Credit Card
If you've had one or more credit cards that left you with difficulties making repayments, we can potentially help you challenge the providers and reclaim your losses.
Personal Loans
Unaffordable personal loans can lead to a cycle of debt that's hard to break free from. We're experts in identifying and challenging irresponsible lending in personal loans, helping you reclaim redress.
Packaged Bank Accounts
Some of these accounts with a fancy name, bundled insurances and a monthly fee were mis-sold. We can potentially help you reclaim redress where you do not believe you have been treated fairly.
Understanding Irresponsible Lending
Irresponsible lending often occurs when creditors lend money without conducting proper affordability checks. If you've been a victim of such practices, you have the right to make a claim against the creditor. We're here to guide you through this process, leveraging our extensive experience to get you the best possible outcome.
Affordability Checks: Know Your Rights
Before lending money, responsible creditors must conduct affordability checks to ensure you can repay the loan without causing financial difficulties. These checks involve assessing your income, expenses, and existing financial commitments. We can help you understand what these checks entail and why they are crucial for your financial well-being.
Why Choose TMS Legal?
No Win, No Fee:
Our fee structure ensures that you you only pay us our agreed commission if your claim is successful.
Expertise:
With over seven years in the field, we've successfully reclaimed millions for our clients.
Registered UK Solicitors:
We adhere to the highest standards and ethics, giving you peace of mind throughout the claims process.
Ready to Reclaim Redress for Mis-Sold Lending?
If you believe you've been a victim of irresponsible lending, don't hesitate to complete our online claim process now. Let's work together to reclaim your redress.