We are a Claims Management Company (CMC). You do not need to use a CMC to make your complaint to your lender, bank or third party broker. If your complaint is not successful you can refer it to the Financial Ombudsman Service yourself for free if the firm is still trading.

Irresponsible Lending Claims

Many consumers have been mis-sold Pay Day Loans, High-Cost Short-Term Loans, Home Credit (Doorstep Loans), and Guarantor Loans due to irresponsible lending practices. These practices can include inadequate affordability checks, high interest rates leading to a cycle of debt, and pressure tactics used by lenders.

Pay Day Loans & High-Cost Short-Term Loans
These loans are typically offered online and marketed as quick and easy to obtain. However, many borrowers were given loans without proper affordability assessments, leading to financial hardship when they couldn’t afford repayments.

Home Credit (Doorstep Loans)
Home Credit lenders often send agents to issue loans and collect repayments in person. In some cases, borrowers were pressured into taking loans they couldn’t afford or were given repeated loans without sufficient financial checks. Many lenders now use mobile apps for payments, but concerns over affordability assessments remain.

Guarantor Loans
These longer-term loans (12 months or more) require a guarantor to co-sign the loan agreement. However, many guarantors were not fully informed of their financial responsibilities, and lenders often failed to check whether either the borrower or guarantor could realistically afford repayments.

If you were given a loan without proper affordability checks or were pressured into borrowing, you may be eligible to make an irresponsible lending claim

Start your Irresponsible Lending Claim

Fees & payment

If the case is successful and you accept our fee, we will raise our invoice against the NET REDRESS payment you receive. Our fee is charged based on the value of the redress that is offered. The range of fee charged will be between 18% and 36% inclusive of VAT

For example,

REDRESSVALUETOTAL FEE EXC VATTOTAL FEE INCLUDING VATMAX FEE EXC VATMAX FEE INCLUDING VAT
Lower (£)Upper (£)%%££
£1£1,40030%36%£420£504
£1,400£8,92928%33.6%£2,500£3,000
£8,929£20,00025%30%£5,000£6,000
£20,000£37,50020%24%£7,500£9,000
£37,500£66,66715%18%£10,000£12,000
£66,667Variable£10,000£12,000
Scroll across the table on your mobile device to view more information.

The above fee table illustration is not to be taken as an estimate of the amount likely to be recovered on your behalf. The fee that you pay may be more than or less than the illustration depending on the outcome of the claim.