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Payday Guarantor loan claims

Who Can Claim Payday, Guarantor, Doorstep and Car Finance Loan Refunds?

If you can demonstrate that a payday, guarantor or doorstep loan was “unaffordable”, and that the lender did not conduct appropriate checks, then you can complain as you are likely to be eligible for compensation.

Our largest payout to date is £20,000

Our Lending 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

Loan Refunds

Key Facts

We Maximise You Compensation

We will review your previous borrowing and will advise which loans you can get refunded and handle your claim.

Millions Refunded

By helping borrowers make claims for various loan types we have refunded millions to our customers.

Largest Payout Is £20,000

The size of claims varies. One individual was refunded £20,000 after using our services.

Loan Refund Calculator

The below calculator gives an idea of how much interest you will potentially be refunded with a claim due to interest charges. Any compensation paid would include an extra statutory interest on your refunded payments, which is not included in the below calculation. The actual compensation you receive could be substantially more, especially with old loans.

Use this loan interest calculator to give you a quick estimate of how much compensation you may be eligible to claim from a mis-sold loan. The calculator is intended as a guide only and is not a confirmation that a refund is due.

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. 

Unaffordable Lending

With many high-cost lenders, borrowers were given loans they couldn’t afford. They were then given ‘top-up’ loans far too easily, despite it being obvious they were in trouble financially. This meant payday, guarantor and doorstep loan borrowers accrued huge amounts of interest that they were unable to pay back.


The main reason someone can claim a refund in the UK is unaffordable lending. Unaffordable lending means lending that the borrower could not reasonably afford at the time it was taken out. Lending money without checking affordability is known as irresponsible lending. If you were only able to repay your high-cost loans by juggling other loans or credit cards to get through the month, then your lender may not have made appropriate checks.

According to Chapter 5 of The Financial Conduct Authority Sourcebook:

“The firm must consider the customer’s ability to make repayments under the agreements without failing to make any other payment the customer has a contractual or statutory obligation to make, and​ without the repayments having a significant adverse impact on the customer’s financial situation."

If you are struggling with general living costs then Citizens Advice gives guidance on how you can manage your situation.

Signs that your loan(s) may have been unaffordable include:

You frequently consolidated loans or borrowed shortly after repaying a loan


Your loans from a single lender were regularly increasing in size


You missed some repayments


You made some repayments late


The loan repayment was a substantial part of your disposable income


You were using one form of debt to fund another.

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.

Why You May Claim Compensation

When you claim, our technology identifies if you have claims with other lenders so you get the maximum compensation. You may get a refund from your lender for the following reasons.

Fees or charges not clear?

When you took out your loans were the charges and associated fees made absolutely clear to you?

Unable to pay bills?

Your payments for the loan were so large that you struggled to pay for your monthly essentials like bills or mortgage payments.

Rolling over loans?

You had to take out a further loan to pay the initial one back, supporting unaffordability.

Lenders taking automatic payments?

Automatic payments being taken from your account put you in difficulty to pay other essentials.

Encouraged to borrow further?

Lender's offers promoted regular use and the ability to get better deals the more you borrow.

Unfair lending

Despite clearly not being able to pay the first loan back, your lender continued to offer more through consolidation.

If any of the above statements apply to your experience, you could be eligible for a refund. Millions of pounds have already been refunded to people just like you.

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.



How long does it take to get an unaffordable loan 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.

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

How Do I Submit My Claim?

For claims against doorstep, payday, guarantor or car finance lenders, 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.

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