Do you believe you were sold unsuitable finance? Perhaps you were charged undisclosed commission, approved for borrowing you could not realistically afford or not given clear information about your agreement? From undisclosed commission and affordability issues to irresponsible lending, breaches of consumer credit legislation and debt in contention matters, we help clients pursue claims relating to potentially unfair lending and finance arrangements.
Check if you have a claimA consumer finance claim is where you seek compensation if you believe you’ve been treated unfairly by a lender, broker or financial institution. This can include being mis-sold a financial product, charged unfair fees or interest, or not being given clear information about an agreement.
Relating to anything from car finance agreements to loans, credit cards and packaged bank accounts, consumer finance claims often involve undisclosed commissions, unaffordable lending, irresponsible lending practices or breaches of consumer credit legislation.
Consumer finance claims are designed to recognise the financial impact unfair lending or financial misconduct can have on your finances, credit profile and everyday life.
Time limits for consumer finance claims can vary depending on the type of agreement and when the issue came to light, so it’s important to seek legal advice as soon as possible.
Unsure whether you may be eligible to make a consumer finance claim? Although not exhaustive, the following issues are those we most often encounter:
Answered yes to any of these questions? Our expert team can review your circumstances, assess whether you may have a claim and guide you through the process clearly and professionally.
Start your claim online or speak to our team by phone. We’ll discuss your circumstances, answer any questions and explain how everything works. There’s no obligation to go ahead.
We assess your claim, review eligibility and consider whether the lender, broker or financial institution may have acted unfairly or breached regulatory obligations. Then we’ll explain the next steps clearly.
We gather and review the relevant documentation – finance agreements, account statements, payment histories, correspondence, credit reports and evidence of income or expenditure. If needed, we obtain information directly from lenders or brokers.
Once we’ve assessed the evidence, we prepare and submit your formal complaint or claim. We’ll handle communications on your behalf and keep you informed with regular updates throughout the process.
Many consumer finance claims are resolved without the need for court proceedings. Where appropriate, we’ll pursue settlement discussions or escalate the matter further to achieve the best possible outcome.
If your claim succeeds, you may receive compensation, refunds of interest or charges, or adjustments to outstanding balances, depending on the type of claim. Funding arrangements, including any applicable fees*, will always be explained clearly before you proceed.
*Many consumer finance claims may be handled under a Conditional Fee Agreement (“no win, no fee”), subject to eligibility. However, debt in contention matters may require a different funding arrangement depending on the nature of the dispute and the outcome you’re seeking. Any fees or funding options will always be explained clearly before you proceed. Learn more about our fees.
Consumer finance disputes can be complex, particularly where lenders, brokers or financial institutions have failed to act fairly or transparently. As a modern law firm with a mission is to make legal support accessible, we provide clear guidance and practical advice to help you understand your rights and options. As a result, we make the consumer finance claims process straightforward, transparent and easier to navigate. When you partner with us, you benefit from:
A consumer finance claim is a legal or regulatory claim relating to unfair, unlawful or non-compliant lending or finance arrangements.
An undisclosed commission arises where a broker or intermediary received commission from a lender without properly informing the customer or obtaining informed consent.
Irresponsible lending may occur where a lender fails to carry out appropriate affordability checks or provides credit that was clearly unsuitable or unaffordable.
Potentially, yes. Signing an agreement does not prevent a consumer from challenging unfair terms, undisclosed commissions, regulatory breaches or irresponsible lending.
Useful evidence may include agreements, statements, correspondence, credit reports and proof of financial circumstances at the time the finance was taken out. However, if you no longer have this information, we can seek to obtain in direct from the Lender by way of Data Subject Access Request (DSAR).
Time limits vary depending on the type of claim and the circumstances involved. Early advice is recommended to avoid missing important deadlines.
Many claims are resolved through complaints procedures, negotiation or settlement. However, some matters may require court proceedings if resolution cannot be reached.
In many cases, yes. It may still be possible to obtain documents from lenders, brokers or credit reference agencies by way of Data Subject Access Request (DSAR).
Potential remedies may include refunds of interest or charges, compensation, reduction of balances, or other financial redress depending on the circumstances.
Funding options vary. Some claims may be suitable for a no win, no fee arrangement, subject to assessment and the terms of any agreement. Fees will be fully outlined before we undertake any work. Learn more about our basic fees and charges here.
Justice should never feel out of reach. With clear guidance, expert support and a transparent process, we make it simple to pursue your claim.
Check if you have a claimEligibility for a consumer finance claim will depend on your individual circumstances and the type of agreement involved. Not all finance agreements will qualify for a valid claim, and compensation cannot be guaranteed. Time limits and exclusions may apply. This information is provided for general guidance only and does not constitute legal advice.
