Received a letter? Check if I can claim

What you can claim for

  1. 01Overdrafts
  2. 02Credit cards
  3. 03Personal loans
  4. 04Payday loans
  5. 05Catalogues
  6. 06Guarantor loans
  7. 07Doorstep loans
  8. 08Logbook loans
All claim types

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CreditRights · FCA authorised, FRN 830182

Claim types

What you can claim for

If a bank or lender lent to you when you couldn’t afford it, you could claim back the interest and charges. Pick what you borrowed to see the signs.

01Most claims start here

Bank overdrafts

If you lived in your overdraft, your bank should have noticed and offered help, rather than raising your limit or carrying on charging.

  1. 01In your overdraft most or all of every month
  2. 02Wages in, straight back into the red
  3. 03Your limit went up while you were struggling
  4. 04Charges kept coming and nobody got in touch

Since December 2019 banks have had to spot repeat overdraft use, get in touch, and offer support to customers in difficulty.

Lenders
Check a bank overdraft claim

£2,023 average claim1

02Limits that kept climbing

Credit and store cards

Card claims are often about the limit, not the card itself. Every increase was a fresh lending decision that should have been affordable.

  1. 01Your limit went up while you were only making minimum payments
  2. 02You maxed out the card soon after getting it
  3. 03You used it for bills, essentials or cash
  4. 04You were struggling with other debts

Card providers must also step in when you’ve paid more in interest and charges than off the balance over 18 months.

Lenders
Check a credit and store card claim

£2,043 average claim1

03Repayments you couldn’t keep up

Personal loans

Instalment loans over one to five years, often at high interest. The lender should have checked you could make the repayments without borrowing more or falling behind on bills.

  1. 01The repayments took a big share of your income
  2. 02You took the loan to pay off other debts
  3. 03You already had missed payments or defaults
  4. 04You went back for top-up loans
Lenders
Check a personal loan claim

£881 average claim1

04One loan after another

Payday and short-term loans

High-cost loans over days or months. Taking several in a row is one of the clearest signs a lender should have stopped.

  1. 01You borrowed again soon after repaying
  2. 02You had several loans running at once
  3. 03Each loan was bigger than the last
  4. 04You borrowed to cover essentials
Lenders
Check a payday and short-term loan claim

05Shop now, pay later

Catalogue accounts

Catalogue accounts work like a credit card: limits that creep up while the balance never seems to come down.

  1. 01Your limit kept going up
  2. 02Your balance was always close to the limit
  3. 03You were only making minimum payments
  4. 04You used it for essentials
Lenders
Check a catalogue account claim

06For borrowers and guarantors

Guarantor loans

Loans where a friend or family member agrees to pay if you can’t. The lender still had to check the loan was affordable for you, not just rely on the guarantor.

  1. 01The repayments were too much for your income
  2. 02Your guarantor ended up making the payments
  3. 03You had other debts or missed payments when you applied

Guarantors who were asked to pay may also be able to complain, if the lender didn’t check they could afford it.

Check a guarantor loan claim

07Home credit

Doorstep loans

Loans where an agent visits to lend and collect. Repeat loans, and new loans taken before the last was paid, are the usual signs of a problem.

  1. 01You took a new loan before the last one was paid
  2. 02You were offered more as soon as you neared the end
  3. 03Repayments were hard to keep up alongside bills

Several of the biggest doorstep lenders have stopped lending, and some ran complaint schemes with deadlines that have now passed. The check will tell you if it’s worth looking into.

Check a doorstep loan claim

08Secured on your car

Logbook loans

Loans secured on your car, with the risk of losing it if you fall behind. Because they’re expensive, the lender needed to be sure you could afford them.

  1. 01The repayments were hard to afford
  2. 02You were already behind on other debts
  3. 03You were at risk of losing your car
Check a logbook loan claim

If your claim is upheld

What putting it right can look like

The lender usually refunds the interest and charges on the lending that shouldn’t have happened, adds interest on top, and removes negative information from your credit file. If you still owe money, the refund may reduce your balance first. Every case is different.

You can complain to your bank or lender, then the Financial Ombudsman, yourself for free. Our legal partners pay us when we introduce your claim.

Find out if you can claim. It takes a minute.

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Check if I can claim

You can complain to your bank or lender, then the Financial Ombudsman, yourself for free.

Check if I can claim