Frequently Asked Questions
We specialise in reclaiming unaffordable loans and finance, including car finance, personal loans, overdrafts and credit cards.
Yes, we are registered UK solicitors and adhere to the highest standards and ethics.
https://www.sra.org.uk/solicitors/firm-based-authorisation/abs-register/645041/
https://www.sra.org.uk/solicitors/firm-based-authorisation/abs-register/645041/
We have over seven years of experience in reclaiming redress for mis-sold financial products for our clients.
Irresponsible lending often occurs when creditors lend money without conducting proper affordability checks, often leaving borrowers with loans they can't afford to repay.
Affordability checks are assessments conducted by creditors to ensure that you can repay a loan without causing financial difficulties. These checks usually involve questions about your income and regular household expenses, and may involve you providing evidence such as payslips or bank statements.
If you took any of the types of lending listed on our "types of claims we handle" page and you struggled to repay them, there is a possibility that you would be eligible.
We have an online process to assist you in understanding if you are eligible and with signing up if you are.
According to the lenders regulator, the lender has 8 weeks to respond to your claim once they have acknowledged it. In reality many lenders are taking much longer than this at present.
We work on a “No Win, No Fee” basis. If your claim is successful, we take a percentage of the Redress given by the lender, starting at 36% (VAT included), and going as low as 18% (VAT included) for larger redresses. Please visit our fees page to see the fee structure table and fee examples.
Absolutely, we adhere to strick confidentiality and data protection guidelines to ensure your information is secure.
You can contact us via our online form. telephone, or email.
Sometimes we collaborate with vetted companies experienced in lead generation to help us reach more people needing our services.
This varies between different lenders.
We do not handle claims outside of the UK.
We will check your ID when you sign up with us via online checks. If these are unsuccessful, we will request 2 forms of ID such as a driving license / recent utility bills. Some types of claims, such as car finance, require bank statements / credit files for the best chance of success.
The lender will send you a "Final Response Letter" saying you have not been successful, and sometimes explaining why. If we are not satisfied we may forward it to the Financial Ombudsman for their view. You may also send it to the Financial Ombudsman if you are not satisfied, and we have elected not to send it.
You will receive updates through the process. These may become less regular if the lender breaches for significant periods of time, or the claim is with the Financial Ombudsman, as we do not have any control over the amount of time this will take.
You may cancel your claim at any time. Please note that if your 14-day cooling-off period has been completed, and we have already submitted the claim to the lender, you will still be required to pay our commission if your claim is successful, as per your contractual agreement.
There are time limits that apply. As they are quite technical, we will not go into the details here, but they are available on request.
You do not need to use a no win no fee solicitor to make a complaint to your lender. If your complaint is not successful you can refer it to the Financial Ombudsman service for free.
Our extensive experience, client-centric approach, and focus on challenging irresponsible lendiing practices set us apart from other solicitors.
Yes, we feature testimonials and success stories on our website to provide you with real-life examples of how we've helped our clients.
If you struggle to repay the monthly fees, if you have to borrow from other sources, including friends or family, or if you fall into debt management, it could be considered to be unaffordable.
If you've been a victim of irresponsible lending, you have a right to make a complaint against the creditor.