Free claim check
Lent money you couldn’t afford?
If you lived in your overdraft, or were given loans, credit cards or catalogue credit you couldn’t keep up with, you may be owed back the interest and charges, plus 8% interest.
Also checked: car finance commission · housing disrepair
What did you borrow?
Bank overdraftStuck in your overdraft month after monthCredit cardsLimits that kept going up while you struggledPayday and short-term loansLoan after loan, or borrowing to repay borrowingCatalogue and store creditVery, Littlewoods, JD Williams and moreOther loansInstalment, guarantor, doorstep and logbook loansOur check is free. If a firm takes on your claim, they’ll charge a fee, which they explain first. You can also claim yourself for free.
Overdraft refunds
Stuck in your overdraft?
Banks are expected to spot customers who rely on their overdraft month after month, and to step in and help. If yours kept charging you instead, you may be able to get the interest and charges back.
How it works
Four simple steps
Answer a few questions
Tell us what you borrowed or what happened. It takes about three minutes.
Tell us who you dealt with
Pick your lenders or finance companies from our list, or type them in.
We look for a firm
If a regulated firm that handles your type of claim can help, we pass your details to them and tell you who they are.
They take it from there
They explain their fees before you sign anything, and it’s your choice whether to go ahead.
What we check
Every kind of unaffordable lending
Bank overdrafts
Banks should step in when you’re living in your overdraft. If yours didn’t, you may get the interest and charges back.
Credit cards
Low starting limits raised again and again while you were only making minimum payments.
Payday loans
Repeat loans, rollovers and loans that got bigger over time.
High-cost loans
Instalment loans and lines of credit with very high interest.
Catalogue credit
Shopping accounts are credit too, with the same affordability rules.
Guarantor loans
For borrowers, and for guarantors who were asked to pay.
Doorstep and home credit
Loans collected at your door, often topped up while you were struggling.
Logbook loans
Loans secured on your car, where you could lose the car if you fall behind.
Buy now, pay later
What you can and can’t complain about since the rules changed in July 2026.
Popular lenders:
You don’t have to use a claims company. You can complain to your lender directly and, if you’re not happy with their answer, take it to the Financial Ombudsman Service at no cost. Our free complaint letters show you how. If you’d rather a regulated firm handled it for you, we can introduce you to one.
Guides
Know your rights
Unaffordable lending
Signs you were lent money you couldn’t afford
Rolled-over loans, several loans at once, borrowing to repay borrowing: what lenders should have spotted.
Your rights
How to complain to the Financial Ombudsman
When you can go to the Financial Ombudsman Service, how it works, and what it costs (nothing).
Unaffordable lending
What is an affordability check?
The checks a lender must do before giving you credit, and what it means if they didn’t.
Other claims we check: Car finance commission (agreements from 2007 to 2024) · Housing disrepair (council and housing association tenants)