Reclaim What You're Owed From Irresponsible Lenders

Irresponsible Lending - You Could Be Owed a Refund

Have you taken out payday loans, catalogue credit, or high-interest credit cards — and found yourself struggling to keep up?

You're not alone. Thousands of people in the UK have been given credit they couldn’t afford, often without proper checks by the lender. This is known as irresponsible lending — and if it happened to you, you may be entitled to compensation.

Have you been caught in a cycle of credit that felt impossible to escape?

Whether it was a payday loan, catalogue credit, or a high-interest credit card, many people across the UK have borrowed money they couldn’t realistically afford to repay — and it wasn’t their fault.

But too often, that didn’t happen.

What is Irresponsible Lending?

Irresponsible lending happens when a lender approves you for credit without making sure you could afford the repayments without falling into financial difficulty.

Which lenders did you take loans from?

Select a lender and then choose the products you had with them. You can add more lenders after selecting products for your first lender.

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Your credit report helps us identify all your loans as well as giving a clear picture of what the lender should have seen.

Similar to credit reports, Bank statements show your income, expenditure and any other loan payments.

Please select all additional claims that you would like us to check.We could identify all potential claims you may have.

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What Went Wrong

Lenders have a duty to assess whether you can afford to repay what they’re offering. Many didn’t.

You may have a valid claim if a lender:

Approved credit without checking your income or expenses

Ignored existing debts or signs of financial

hardship

Let you borrow repeatedly or increased your limit without a review

Failed to carry out

proper affordability assessments

Lenders have a duty to assess whether you can afford to repay what they’re offering. Many didn’t.

You may have a valid claim if a lender:

What You Could Recover

If your claim is successful, you may be refunded:

  • Interest and fees paid on the loan

  • 8% statutory interest

  • Adjustments to your credit file

  • Compensation for financial stress

Types of Credit We Cover

We help claim refunds for:

Payday loan

refunds.

Catalogue credit accounts

High-interest credit cards

Guarantor and instalment loans

Why Use Claim First?

At Claim First, we make the process simple and stress-free.

Our team builds your case, deals with the lender, and fights to get your money back.

No win, no fee. No stress. Just results.

Think you’ve been mis-sold credit?

No Win. No Fee. No Stress. Just Results.

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Claim First Ltd is a trading name of Complex Law Ltd, a limited company registered in England and Wales with company number 06938570. Authorised and regulated by the Solicitors Regulation Authority, registration number 515276

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