Unaffordable Lending Helpdesk

Have you had a Credit Card,
Store Card or Loan?

You could claim £1,000's back in compensation!

45%
100%

Have you had a Credit Card, Store Card or Loan?

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Did you have the account(s) for more than 2 years?

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Select the lender(s) you have held an account with for more than 2 years.

Top Tip - Make sure you tell us about all the lenders you had an account with for more than 2 years.

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We are just reviewing your application

Good news.. based upon the details so far you could be eligible for a refund.

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Please make sure you give us your previous address linked to your lenders in the fields below. If you do not have one click Continue.

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Your Details

Date of Birth

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Please select any statements that apply to your account(s)

I was not asked to provide proof of income when I applied for my account?

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I was unemployed and/or on benefits when I applied for my account?

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I was usually only able to make the minimum monthly repayment on my account?

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I was in a debt management plan or IVA when I applied for my account?

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What happens next?

You have been matched with a trusted Unaffordable Lending adviser for your specific needs from one of the below companies.

Thank you for your request. You will be contacted shortly. Your reference number is .

*Your privacy is important to us. By clicking "Submit" above, you consent to Lead Insight Ltd and Direct Redress Limited, as a supplier of Unaffordable Lending, contacting you by email, post, telephone (including automated calls) and/or SMS with details or quotes for such products, and/or to confirm your product requirements. You have certain rights in relation to your personal data, including the right to object to direct marketing.
*By clicking "Submit" above, Lead Insight Ltd will pass your details to who will submit a claim on your behalf. By signing above, you are giving them authority to attach your signature to the letter of authority and agree to their terms of business and pre-disclosure document.
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What Is Unaffordable/Irresponsible Lending?

If you've taken out a loan, credit card or store card, or your credit limit has been increased, or you were encouraged to apply for further borrowing, then you could be owed compensation.

Lenders are required to make appropriate checks, in accordance with industry practice and guidelines, to ensure that any borrowing you take will be affordable and not place you in financial hardship. If you've struggled financially as a result of making your monthly repayments, or have only managed to usually pay the minimum repayment amount, then the credit may have been unaffordable. When you're unable to complete repayments, your credit score suffers. By making a claim for unaffordable lending, a successful claim compensates you for the losses and could remove any negative information from your credit history.

How Does Affordability Work?

Before you're given a credit card, store card or loan the lender should look at your income and regular expenses. This information, along with details of other debts you may have, is used to determine if you can afford the new monthly repayment. As a case in point, guarantor loans need the affordability checked for both the main borrower and the guarantor. If the agreement proves to be financially manageable, you can afford the loan. If not, the lender should refuse to lend to you.

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 Privacy Policy). 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 Issues Count?

With unaffordable lending, some or all of the following issues make you eligible to make a claim:

No affordability checks took place

You have been unable to pay your bills or mortgage payments

You took out an additional loan to pay the first one back

The lender didn’t clearly explain the risks involved with further borrowing

The fees and charges were not made clear

You were encouraged to borrow more money for a better deal

The lender did not take into account personal circumstances

Debt consolidation was offered by your lender with additional credit

The lender kept increasing your credit limit

Your balance was close to (or exceeded) your credit limit

You are/were in a cycle of debt

See If We Can Help

Unaffordable Lending Claims are covered by our No Win, No Fee service. If there is no refund, there is no charge for the service. You don't need any documents, we will get all the account paperwork from the lender.

Start Your Claim

Frequently Asked Questions

Are unaffordable lending claims No Win, No Fee?

They are. If your claim is not successful, or there is no refund due, then you won't be charged a penny. You only have to pay if your claim succeeds.

What happens when a claim is successful?

When an unaffordable lending claim is successful, you should receive a refund of interest and charges associated with the borrowing or limit increase.

If a balance is still outstanding your refund will usually be used against this and if there is any remaining refund after this, this will be paid to you.

A lender may choose to close an account following a successful claim.

An account can also be closed by the lender in the event of a complaint being lodged, this is at lenders discretion.

Will a claim affect my credit score?

If an unaffordable lending claim is successful, the negative data caused by the account may be removed from your credit report. Your credit score will not be affected by making the complaint initially.

Can I stop repayments when I make a claim?

You shouldn't stop paying towards your account if you've made a claim for unaffordable lending. Stopping payments could cause you to incur charges and missed payments or a default on the account will show on your credit report.

If you cannot afford to make your payments you need to speak to your lender.

What happens to my account whilst it is being investigated?

If your account is still open the lender may suspend it's use whilst they investigate your claim. The lender may also review your credit limit and discuss with you a more appropriate borrowing level.