UK Credit Refund Claim

UK Credit Refund Claims

If you have had a guarantor loan that you struggled to repay, you could be eligible for a claim for irresponsible lending. Find out how much you may be owed!


Why could I receive a UK Credit Loan Refund?​

Was the loan affordable to you before UK Credit granted your application for a loan? UK Credit may have not conducted the correct affordability checks.


Did your loan have excessive charges combined onto it, such as high interest and charges? The FCA has introduced a price cap to protect borrowers from excessive charges.


You may have underestimated your monthly outgoings when you took out the loan causing you not to be able to afford the monthly repayments. If your monthly outgoings were too low, UK Credit should have explored whether these were correct or not

During your application process, you may have not mentioned all of your debts. If this didn’t match with your credit record, UK Credit should have ensured to double-check this.

When you applied for the loan, you may have not stated your correct regular income, due to be self-employed or your job history changing during this time, then UK Credit should have looked at this and ensured you had a regular, consistent income before giving you a loan.

If any of the above statements describe your experience with UK Credit and left you unable to pay the loan, you could be eligible to claim compensation. Start your claim below for professionals to guide you through the process.

You do not need to use a claims management company to make your complaint to your lender. If your complaint is not successful you can refer it to the Financial Ombudsman Service yourself for free.

UK Credit Compensation

UK Credit is a guarantor lender for homeowners. UK Credit states that "We will consider a broad range of financial backgrounds and people with poor or limited credit history."

Whilst it is quick to offer UK consumers to borrow from £5,000 to £20,000 over 3-5 years, UK Credit may have lent your money without conducting the correct affordability checks which form part of the FCA’s requirements to the entire Guarantor Loan Market in Britain, which has come under the spotlight in recent months and not in a positive way.

The Citizens Advice said more than 3,000 people sought help with guarantor debt, as well as the market, being a focus of a Panorama documentary, highlighting the raise of high-cost credit in the UK.

In their latest numbers, The Financial Ombudsman upheld 77% of complaints against Guarantor Loans



What Information Do I Need to Provide?
We just need is the name of your lender and your personal details including the address that you lived at when registering with them. Once we have these we can obtain details of any loans where a refund may be due.

How much do you charge?

We work on a no win no fee basis. We charge 36% (30% + VAT) on any successful claims of the total refund received from your lender. If you cancel our service without our agreement after 14 days and after we submit your claim you will be liable to pay our full success fee should your claim be successful.

How Do I Submit My Claim?

Simply complete our online application form by clicking on the "Start A Claim" button. This is the first stage of your complaint to the lender where you could receive compensation.