Experts in Reclaiming Compensation

Reclaim Compensation Refunds for Mis-sold Products.
Helping you get the Compensation You Deserve for Unaffordable Payday High Cost DoorStep & Guarantor Loans

What type of loan do you have?
How much have you borrowed?
What is the duration of your loan?
How many ly payments have you made?
Please enter your name to calculate your estimate

FREE Loan Interest Compensation Calculator

Our easy to use FREE Loan compensation calculator will give you an idea of how much compensation you maybe able to claim as a refund from the lender.

The amount displayed is NOT a confirmation of a refund and the calculator should only be used as a guide before completing your claim.

Try the calculator today, and find out how much you could be owed!

Unsure of your figures?

If you aren't sure of your figures, or the calculator doesn't apply to your loan type, simply click below to get started.

Quick Claim Form

We're about to start your assessment!

Thanks! - Fantastic News!

We have now received your request to commence reclaiming your mis-sold compensation, we'll be updating you in the next 24 Hours as to the outcome. You do not need to do anything, you will be contacted very soon.

Keep an eye on your email and if we need anything urgently we will call you on the number provided earlier in your claim request form.

We'll be in touch!

Boris Baxter

You may have been mis-sold a Loan.

Reclaiming Loan Refunds, which in simple terms is claiming back money that you are entitled to, due to a leader (Amigo Loans or Provident Home Loans for example) not making the necessary checks before they gave (granted) you the loan.

Frequently Asked Questions

What type of loans can you claim a refund against?

This is a question we get asked all the time. The best answer we can give you is, almost every loan in the market.

If you feel your loan was mis-sold at the time the application was made and paid out including any 'Top Up's' we will work with you and the lender to investigate.

Predominately, Claims management companies reclaimed refunds against Doorstep lenders like Provident, Guarantor Loans including Amigo and Payday Loans (short term Loans).

What reason / why could I claim for a refund?

If your lender did not make the necessary checks before they gave you the loan, this could be irresponsible lending. It is a lenders responsibly to ensure that people can afford the loan, and not struggle to make the loan payments. If you have found yourself in this situation, this is where we can help you.

Our mission is to highlight the irresponsibility and injustice of some services, in particular mis-sold loans and mortgages, and give people the chance to correct this unfairness. We are 'not' a claims management company but we work closely with our partners, who are CMCs, to help our customers receive loan refunds for a variety of mis-sold loans including Guarantor Loans, Payday Loans (short term) and Doorstep Loans, in addition to other services such as PPI and PCP Refunds, Marriage Tax Allowance and Mis-sold Mortgages.

How long does it take from start to finish?

From the day you complete a claim application form, you will be contacted shortly after by one of our partners who will work your complaint. You should receive a response via the claims management company from the lender/lenders to your complaint between 8 – 16 weeks.

If the lender rejects the claim, it may be that you are recommend to refer your complaint to the Financial Ombudsman, in which case it may take anything from a few months to a year and even longer to resolve with complex claim refunds.

The complete process from submitting a claim to receiving a refund on average is between 6-18 weeks, however please be advise this is a guidance. No two compensation claims are the same and its as common a complicated claim may take 6 months to be fully paid out.

Do be aware of claims management companies offering “fast pay outs” or not explaining the process fully. As exprts we want to be clear form the start and out partners will be nothing but honest and professional.

All Claims Management companies acting on behalf of a consumer must follow the same procedure, and therefore time scales, please be aware, no claims management company are in control of the time it takes for the lender, FCA or FOS to reply.

Do I need to use a claims mangment company to submit my claim?

No, you do not need to use a Claims Management Company to make a claim against your lender(s) but we understand that it can be daunting for some people to do this, without support and assistance from a knowledgeable source, which is why we are here to help as another option.

If you wish to claim against your lender, you can do this yourself directly with them and even if the lender reject your claim you can still take this to the Financial Ombudsman Service. Here the link for you to follow:

If you aren’t sure how to make the claim, you can get free, impartial advice from consumer organisations. On each of the lender pages we have included the address where documentation can be sent should you wish to claim directly with the lender in question.

The answer to the question is simple, you do 'not' need a claims management company to act of your refund claim.

Now early June, I got an email stating that they had reviewed their decision and will be upholding my complaint! They’re paying me back all interest paid, plus 8% simple interest. I phoned up this morning to confirm bank details and accept the offer, over £3k successfully claimed!!
— Joseph | UK

Reclaiming Loan Interest Refunds

In simple terms, you maybe able to claim back money that you are entitled to, due to your leader not making the necessary checks before they gave (granted) you the loan.

Have you borrowed money from a Guarantor or Doorstep Lender including one of the following:

It is a lenders responsibly to ensure that people can afford the loan, and not struggle to make the loan payments. If you have found yourself in this situation, this is where we can help. We can help you start a claim and receive a refund against your loan, which was incorrectly loaned.

We understand how much distress lenders can cause when they fail to complete thorough affordability checks. They have a duty to check that people can afford the payments and can pay back the loan. By not completing these checks correctly, it can leave people struggling to survive, unable to pay the loan payments. Sadly, this is situation common too many people, we are specialists in loan claims and getting you the compensation you deserve.

How do I apply for a compensation refund for my loan?


Starting a compensation claim couldn't be easier, all you need to do is complete our short form, which includes your full name, address and contact details and you will be directed to a Claims management company who maybe able to reclaim compensation for you and charge around 30% on a no win now fee basis. You can claim directly which will not cost you anything.

Do any of these situations sound familiar?

Many people do not realize that they can claim a loan refund. Anyone can make a compensation claim, especially if your lender did not make the necessary checks before they gave you the loan. It is a lenders responsibly to ensure that people can afford the loan, and not struggle to make the loan payments. If you have found yourself in this situation, this is where we can help. Have you experienced any of the following? If so, you could be able to make a claim.

Unclear Fees: – When you took out the loan, where the charges and associated fees completely clear to you? You should know what fees will be charged before you take out the loan.

Unpayable? Were your monthly payments for the loan so large that you were unable to pay for your essential bills, for example like your mortgage, food bills? No loan should leave you unable to pay your essential bills.

Supported Borrowing? Did your lender encourage you to take out additional loans, even though it was clear that you could not afford to pay the first loan back? A lender should not encourage you to borrow more if you cannot afford it.

Rolling Over Loans? – Did you have to take out another loan just so you could pay the initial one back? Your lender should have checked that you could afford the first loan and the monthly payments.

Automatic Payments? – Did you lender take automatic payments from your account, causing financial difficulties and leaving you unable to pay for essential items? Your lender should be clear about when payments will be taken and how.

Bigger Borrowing?

Did your lender entice you to borrow more than you planned for with an offer that was bespoke you? Your lender should have looked at your financial situation and lent what you were requesting and what you could afford.

Door Step Lenders include Provident, Loans at home and Morse Club

Guarantor Loans include Amigo and Bamboo and UK Credit.

Correct information?

When you took out the loan, did you provide the correct information of your financial situation including other debts. Your lender should have checked that the loan was feasible for you.

If any of these situations sound familiar to you, it means that you could be eligible for compensation, as you lender has not carried out the mandatory financial checks correctly. Submit a claim today or get in touch with an experienced claims management company who can guide you through the process, in getting you the compensation you deserve, for a mis-sold loan.

Things to consider before making a claim.

How much did I borrow ?
Over how many months?
Were the loan repayments affordable?


Can I ask the Lender directly?

Yes you can and if unsuccessful
After 8 weeks you can contact the FCA and FOS to complain

You can contact each lender yourself, you do not need to pay for a professional company to act of your behalf.
Writing to each lender yourself is only going to cost you the price of a stamp, please be advised claims management companies will not charge anything upfront, however, usually a percentage of the claim refunded is payable once you get your refund. This percentage is around 30% of the amount reclaimed.

Help & Advice

Thank you for your submission!

Please wait while we find the perfect match for your claim.
Don't worry, you're in good hands - We partner with many professional specialists who are ready to help.