Used your overdraft, credit cards or loans? Simply connect your bank account we'll check to see if lenders broke any rules, which could result in you getting money back.
Thank you for your enquiry, a member of our housing disrepair team will contact you shortly - please also keep an eye on your emails for further instructions - These may be sent to your spam folder so please check.
We securely access your financial history to see the full picture.
Our system will assess for any lending rules being broken.
If we believe you may have case, we'll let you know about next steps
When lenders agree to loan you money, they first need to carry out reasonable and proportionate checks to ensure the you can afford the repayments. Providing loans and credit without adequately assessing if you are able to afford it is referred to as irresponsible lending.
No. Making a complaint about your lender won’t hurt your credit score. Complaints and their outcomes aren’t shared with credit reference agencies. The only time your credit report could be affected is if you miss or delay payments while your complaint is being looked into.
You could be eligible to make an irresponsible lending complaint if you have ever had a loan, credit card or overdraft and any of the following apply:
Your lender didn't adequately check your financial situation
You had to borrow more to keep up with your debt repayments
You missed payments because you couldn’t afford them
You struggled with day to day living costs because of your debt repayments
It takes less than 20 minutes to fully assess your online banking to identify potential lending/ overdraft claims