Struggling With Overdraft Debt That You Cannot Escape From?
Find out if you’re eligible for an overdraft refund
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How the Claiming Process Works
Lead Insight T/A Unaffordable Lending Helpdesk is a Claims Management Company (CMC). You do not have to use a Claims Management Company or Solicitor to pursue a claim. You can claim for free, without using a claims management company, first to the third party responsible or to the Financial Ombudsman Service/Financial Services Compensation Scheme.
If you choose to use a Claims Management Company or Solicitor and your claim is successful you will be charged a success fee.
What are Overdraft Claims?
Millions of people across the UK regularly rely on overdrafts as a short-term financial buffer. But when overdrafts become a constant, months-long routine rather than a safety net, they can turn into a heavy burden. Overdrafts are supposed to offer flexibility for unexpected expenses - not trap you in a cycle of debt. Lenders have a duty to assess affordability, yet many customers find themselves paying interest and fees on a negative balance that never really improves.
If you’ve found yourself “living in your overdraft” - dipping into negative balances month after month, with little or no respite - you may be eligible to make an overdraft claim. Our aim is to simplify the process for you: our partners investigate your case, liaise with the lender (or the Financial Ombudsman Service, if needed), and help you reclaim what’s rightfully yours. You don’t have to do this alone - and if your claim succeeds, repayment of your overdraft shouldn’t be the only outcome; you may also be owed refunds of unfair charges.
How is Unaffordable Lending Helpdesk Paid?
Unaffordable Lending Helpdesk is a brand of Lead Insight Ltd who act as an introducer and help to connect you with trusted Service Providers, who are experienced in pursuing financial claims on behalf of consumers. When you submit an enquiry via our websites, your data will be securely transferred to a named Service Provider (as outlined in our Terms, Conditions & Privacy Statement). We get paid by the Service Providers we work with, but the payment we get will never make any difference to the service you receive.
What Charges Apply to 'No Win No Fee'?
How a CMC gets paid if a 'No Win No Fee' case is successful
If your CMC is successful in winning your claim, you will be awarded compensation and will then need to pay your CMCs fees as agreed upon. The fees can differ between companies so you should make sure to check the fee structure. At Unaffordable Lending Helpdesk, our panel of CMCs will only take on a case and pursue a claim if it meets criteria.
Unaffordable Lending Helpdesk always assign a CMC you can trust for the complete process and they can guide you the best with your claim. At Unaffordable Lending Helpdesk, our CMC's work on a 'no win, no fee' basis. In UK we have the best expert CMC's aligned with us that helps the claimant make their informed choice.
Termination Fees
If you cancel your claim after 14 days the CMC reserves the right to charge you a termination fee, please see the CMC's terms & conditions for more information.
Fee Table
| Redress Amount | Your Service Charge (+VAT) |
|---|---|
| £1 - £1,499 | 30% up to a max of £420 +VAT |
| £1,500 - £9,999 | 28% up to a max of £2,500 +VAT |
| £1,0000 - £24,999 | 25% up to a max of £5,000 +VAT |
| £25,000 - £49,999 | 20% up to a max of £7,500 +VAT |
| £50,000 + | 15% up to a max of £10,000 +VAT |
Find Out If You Have A Claim
One of our panel will assess your claim. They will evaluate the details and determine the potential for success, providing you with a clear understanding of your options.
Start Your Claim