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

Banks and lenders

All 30 banks and lenders

Help Centre

Check if I can claim

CreditRights · FCA authorised, FRN 830182

How it works

You do the first step. That’s it.

Four questions from you. Our legal partner does the rest. Here’s exactly what happens, who does what, and how long it takes.

Check if I can claim
  1. 1 minuteYour check
  2. MinutesSecure account check
  3. 8 weeksFor your lender to reply
  4. MonthsIf it goes to the Financial Ombudsman

01

You check

Tell us what you borrowed and answer three quick eligibility questions. No documents, and we don’t search your credit file.

You · about a minute

02

We introduce you to our legal partner

If you’re eligible, we introduce you to Recoup, a trading style of Clear Legal Limited, a firm of solicitors regulated by the Solicitors Regulation Authority (SRA 469975). They pay us for the introduction. It doesn’t change what you pay.

CreditRights · straight away

03

They check your accounts

Recoup asks you to confirm your mobile, then to connect your bank through FCA-regulated open banking. You log in on your bank’s own screen. Access is read-only, covers up to six years, and you can withdraw it at any time. Their solicitors review what it finds.

Your legal partner · usually minutes

04

They complain for you

If there’s a case, they send an evidenced complaint to your bank or lender. The lender has eight weeks to reply. If it says no, or doesn’t reply, the complaint can go to the Financial Ombudsman, which can take several months.

Your legal partner · weeks to months

05

Things are put right

If your complaint is upheld, the lender refunds interest and charges, adds interest, and corrects your credit file. If you still owe money, the refund may clear or reduce your balance first, with anything left paid to you.

If upheld

Who does what

Three parts, clearly split

You

  • Answer four questions
  • Agree to be introduced
  • Connect your bank with our partner
  • Sign our partner’s agreement if you go ahead

CreditRights

  • Runs the check
  • Introduces you, with your permission
  • Never charges you
  • FCA authorised, FRN 830182

Recoup

  • Checks your accounts
  • Makes the complaint
  • Takes it to the Financial Ombudsman if needed
  • Charges a capped fee, only if you win

What you’ll need

  • A minute for the check.
  • Your online banking login, when our partner asks you to connect your account. You log in on your bank’s own screen, so you never share it.
  • Nothing else. No statements or paperwork.

What it costs

The check is free and CreditRights never charges you. If you go ahead, our legal partner charges a fee only if your claim succeeds, capped by the regulator.

See the fee table

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.

Four questions. No documents. Free to check.

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