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.

High Cost Short Term Loans

These loans were predominantly offered by Pay Day Loan, Home Credit and Guarantor Loan providers.

The lenders had a duty of care to carry out proportionate checks to determine if you could afford and sustain the repayment of these loans.

Both payday and short term loans are typically offered online and advertised as quick and easy to apply for.

Home Credit / Doorstep loan lenders use home collection via agents to offer and collect loan repayments. A lot of lenders now use mobile apps to collect monies.

Guarantor Loans is a longer term loan of 12 months or more and the lender requires a guarantor to jointly sign your loan agreement.

Many of these lenders did not carry out the proportionate checks expected of them at the time.

This resulted in borrowers taking out excessive levels of debt for extended periods of time which incurred significant interest charges.

If the loans you borrowed were unaffordable, you continued to borrow more loans to sustain your loan repayments then you may be entitled to make a claim for the interest and charges to be refunded.

How to claim in 5 simple steps

Step 1 – Fill in our enquiry form today.

Step 2 – We will contact you to explain the reclaim process, and check you are eligible.

Step 3 – Return your signed claim pack straight away.

Step 4 – We will make a request to the lender for your lending history to determine if your claim enquiry has merit to progress.

Step 5 – Finally, our experienced case handlers will deal with all aspects of your claim, updating you regularly by telephone, text, and email.

Not sure if you want to claim?

Request a call back or call us on 03300948438 to discuss any questions you may have.

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You do not need to use a claims management company to pursue a claim against a lender, you can do this yourself for free.

If unsuccessful with your claim you also have the option to refer the claim to the Financial Ombudsman Service yourself without incurring a fee