Our Overdraft claims handler has a 4.6* Trustpilot score
"They have done it again. After fees paid to them £3200 in the bank, money that was long gone 10 years ago. Thank you very much . Laura was extremely helpful this morning Very much appreciated." - RY, Trustpilot
"You helped me a lot, saved me from bankruptcy. Very professional. I want to thank you all for your effort. You save me and my kids." - SH, Trustpilot
"Very good service . I received great results with little effort" - LC, Trustpilot
"Excellent support and service. I received back approx £3,500. Highly recommended and easy to deal with." - KW, Trustpilot
For Hassle-Free Refunds
A claims specialist
can do all the hard work so you don't need to!
Simple Process
Making a claim is simple. With just a few details you can start your application.
No Win, No Fee
You are only charged after the claim has been won and you have your refund!
We are a claims management company that can help establish and process claims on behalf of consumers to recover compensation against various types of lenders. You do not need to use a claims management company to make your complaint to your lender or the Financial Ombudsman for free.
Overdraft Claims
Millions of people in the UK have an overdraft facility, but many people don’t stop to think about whether an overdraft is right for them, or consider whether the lender was acting responsibly in providing the overdraft in the first place.
Overdrafts are supposed to be used for short-term credit. Lenders should ensure that you are able to repay your overdraft within a reasonable period of time, as well as keep up with your other living costs and loan commitments. However, the FCA has found that many consumers use arranged overdrafts regularly over a long time. This means they incur charges for prolonged periods.
If it is clear that the overdraft is being used over a prolonged period of time, a lender should not continue to charge for the overdraft facility or extend the limit. If you feel you were given an overdraft, or any other loan, when you couldn't afford in then we may be able to help you claim money back.
You need to act quickly as there are statutory deadlines, known as limitation periods, that apply to mis-selling claims. Start your claim today for professionals to guide you through the process.
Maximise Your Compensation
After obtaining a credit report, we will review your previous borrowing and can help you claim from an extensive list of lenders.
Your complaint is handled by professionals
Your claim will be handled by an experienced team, who will complain to your lender on your behalf.
Reclaimed funds to be Transferred
After a claim is successful, the redress money is transferred straight to you.
Who Can Claim A Refund
Anyone can look into making a claim, especially if you’re struggling. You have the potential for a successful claim if:
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you’re in real financial hardship - for example, if you’re struggling to buy necessities and pay bills, or you’ve lost your job
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the charges are unfair compared with what you did – for example, if you went overdrawn £1 and were charged £35
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you’re stuck in a spiral of charges – this might happen if the charges keep putting you into the red, and the overdraft keeps costing you more in charges.
Remember you don't risk anything, we work on a no win no fee basis. Also, your lender won’t penalise you as you can't be treated differently for complaining.
If any of the above statements apply to your experience, you could be eligible for a refund.
No Win, No Fee
You are only charged after the claim has been won and you have your refund! The success fee is calculated as a percentage of the total compensation you receive. If we are not able to obtain an offer you will not be charged. You can read more about fees here.
If you cancel your agreement with us or break your agreement with us before the end of the process we will charge you a cancellation fee.
FAQs
How long does it take to get a refund?
The rules state that a lender has 8 weeks to reply to a complaint, however sometimes lenders do go over this deadline. If the complaint needs to go to the Financial Ombudsman because the lender is disputing it, then it takes more time for them to reach a decision. The time it takes for the lender or the Financial Ombudsman to come to decisions depends on the complexity of the case and how busy they are. Some people are lucky and get a claim accepted, and their refund paid, after only a couple of months. Others take much longer.
Why Use The Claims Guide For My Claim?
Help Maximising Claims - We will go through your previous borrowing and help you claim from an extensive list of lenders. Other claims companies will more likely turn you away if you are not claiming against one of their few approved lenders.
Low Fees - Our rates are also competitive and lower than many other claims management companies. You pay nothing upfront and we work on a no win no fee basis. A breakdown of our fee structure can be seen here.
We Make It Easy - Claiming a refund can be a daunting task. We make it easy and ensure everything you need is included so you don't have to spend much time on it.
Professional - Each claim is different and specific circumstances that are relevant to the claim should be explained by a professional. The Financial Ombudsman has previously been unable to progress some complaints that involved a “template” or “standard letter”.
How Much Will I Receive If My Claim Is Successful?
If you successfully claim a refund from a lender, you can claim back the interest and charges on your loans, plus, typically, 8% statutory interest. For more information on how this is calculated click here.
What Information Do I Need to Provide?
You just need to provide the name of your lender and your personal details including the address that you lived at when registering with them. Once you have given these we can obtain details of any loans where a refund may be due.
How much will I be charged?
Claiming through us always works on a no win no fee basis, meaning you won't pay a thing unless you win compensation. You will have the right to cancel the agreement within 14 days with no penalty. If you cancel after 14 days you may be charged for work done up until the time of cancellation. We use multiple partners to ensure we are able to offer claims against all lenders, from whom we receive payments. The exact fee structure will depend on which lender you are claiming against, as this decides which of our partners is most suitable for your claim. A breakdown of our fee structure can be seen here. The fees for Diesel Emissions Claims are calculated differently due to it being a group action lawsuit.
How Do I Submit My Claim?
Simply complete our online application form by clicking on the "Get Started" button. This is the first stage of your complaint to the payday lender where you could receive compensation. For more information on the process please click here.