Payday Guarantor loan claims

Who Can Claim Payday, Guarantor & Doorstep Loan Refunds?

If you can demonstrate that a high-cost 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.


Unaffordable Lending

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 living costs then Citizens Advice give guidance on how you can manage your situation here.

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.

payday loan claims

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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!

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.

General signs that you may be entitled to loan compensation

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 to complain and claim compensation. Millions of pounds have already been refunded to people just like you. Start your claim and get in touch with the experienced team who will guide you through the process.