Our 2-in-1 compensation checker only takes
a few minutes
Answer a few quick questions to see if you’re eligible to make a claim.
Step 1
Quick eligibility checker
What is car finance mis-selling?
A recent investigation by the Financial Conduct Authority (FCA) into finance agreements found evidence of mis-selling of all types of UK car finance agreements.
The FCA has estimated that 95% of car finance deals had a commission model, and 40% included 'discretionary commission arrangements'. If you were not adequately informed about the costs and commissions involved in your PCP or HP agreement, then you could be one of the many that are due compensation and refunds when the FCA completes its investigation.
According to the FCA’s own analysis, buyers paid around £1,100 more interest on a typical £10,000 four-year agreement, when there was a discretionary commission arrangement.
However, the amount of money you may be due back could vary, and could be significantly higher, depending on the size of the loan, the length of the agreement and the interest rate that was offered.
How it works
Within minutes we can calculate your potential claim value.
Step 2
Claim value
A fully digital process. You can sign and submit right here on our website.
Step 3
Sign and submit your claim
Free initial, no obligation advice
If you’re unsuccessful, you don’t pay a penny
If successful, we deduct a maximum of 36% from any compensation awarded. See Our Fees.
Nothing to pay upfront
No win, no fee
* This is the time period within which a member of the SJS Legal team will assess your claim. 24 hours represents a maximum of one working day.
Our 2-in-1 compensation checker only takes a few minutes
Frequently asked questions
How does it work?
Step 1
Answer a few quick questions to see if you’re eligible to make a claim.
Quick eligibility checker
We offer a fully digital, quick and simple three step process.
Step 3
A fully digital process. You can sign and submit right here on our website.
Sign and submit your claim
Step 2
Within minutes we can calculate your potential claim value.
Claim value
Your trusted partner in financial mis-selling claims
We manage the entire process and provide the expertise required to ensure that lenders are held accountable and to assist you in recovering overpaid interest and charges
118118 money
Anico Finance
Bamboo Loans
Cash4unow
Cash ASAP
Cashfloat
Drafty
Fair Finance
Finio Loans
Fund Ourselves
Lending Stream
Loans 2 Go Ltd
Moneyboat.co.uk
Money Line
Mykredit
PM Loans
Quidmarket
Skyline Direct
The One Stop Money Shop
TM Advances
UK Credit
Marbles
Aqua
Fluid
Vanquis
What is Irresponsible Lending?
When lenders agree to loan a customer money, they first need to carry out reasonable and proportionate checks to ensure the borrower can afford the repayments. Therefore, providing loans and credit without adequately assessing if the borrower can afford it is referred to as irresponsible lending.
What checks must the lender do?
What is reasonable or proportionate will vary depending on a customer’s circumstances at the time but it will include a consideration of the following:-
- How much you are borrowing
- What the repayments are and for how long you have to continue to pay them
- Your financial position at the time you took out the loan
- How much you have to pay back overall
Nothing to pay upfront
No win, no fee
Free initial, no obligation advice
If you’re unsuccessful, you don’t pay a penny
If successful, we deduct a maximum of 36% from any compensation awarded. See Our Fees
118118 money
Anico Finance
Bamboo Loans
Cash4unow
Cash ASAP
Cashfloat
Drafty
Fair Finance
Fund Ourselves
Finio Loans
Lending Stream
Likely Loans
Moneyboat.co.uk
Loans 2 Go Ltd
Money Line
Mykredit
Quidmarket
Skyline Direct
The One Stop Money Shop
UK Credit
TM Advances
PM Loans
Marbles
Aqua
Fluid
Vanquis
Your trusted partner in financial mis-selling claims
We manage the entire process and provide the expertise required to ensure that lenders are held accountable and to assist you in recovering overpaid interest and charges
How Do I Know If I’m Affected?
You might be eligible to make an irresponsible lending complaint if you have ever had a loan, credit card or overdraft and any of the following apply:
- Your lender made insufficient enquiries into your financial situation
- You had to borrow more to keep up with your debt repayments
- You missed payments because you couldn’t afford them
- You struggled with day to day living costs because of your debt repayments
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Clear Legal Limited is authorised and regulated by the Solicitors Regulation Authority under SRA Number 469975.
Clear Legal Limited is a limited company whose registered address is Units 115-119 Timber Wharf, 42-50 Worsley Street, Manchester M15 4LD and is registered under Company Number 05990386.
Cotton Media Limited is a limited company whose registered address is 275a Upper Brook Street, Manchester, England, M13 0HR and is registered under Company Number 15383725.
This website is owned and operated by Clear Legal Limited and Cotton Media Limited.
Clear Legal Limited is authorised and regulated by the Solicitors Regulation Authority under SRA Number 469975.
Clear Legal Limited is a limited company whose registered address is Units 115-119 Timber Wharf, 42-50 Worsley Street, Manchester M15 4LD and is registered under Company Number 05990386.
Cotton Media Limited is a limited company whose registered address is 275a Upper Brook Street, Manchester, England, M13 0HR and is registered under Company Number 15383725.
This website is owned and operated by Clear Legal Limited and Cotton Media Limited.
We offer a fully digital, quick and simple three step process.
£25 million
Successfully recovered
2
23,000
Clients
2
100%
No win, no fee service
1
Are you a victim of financial mis-selling?
You could be due £1000s in refunds and compensation
How we can help
We'll check if you have claims against lenders of both traditional and short-term loans.
Loans
£1,194
Average claim value
3
We offer an 2-in-1 solution to check for claims against loan and credit card lenders
We'll check if you have claims against lenders of both traditional and short-term loans.
Credit cards
£2,736
Average claim value
4
Check now to see if you could be due a refund for your loans and credit cards
You could be due £1000s in refunds and compensation.
1
£25 million
Successfully recovered
2
23,000
Clients
2
100%
No win, no fee service
How we can help
We offer a fully digital, quick and simple three step process.
We'll check if you have claims against lenders of both traditional and short-term loans.
£1,194
Average claim value
3
Loans
£2,736
Average claim value
4
Credit cards
If you had credit cards from certain lenders that regularly increased credit limits you might have a claim.
You could be due £1000s in refunds and compensation.
Check now to see if you could be due a refund for your loans and credit cards
1
Are you a victim of financial mis-selling? You could be due £1000s in refunds and compensation
1
2 Data taken from Clear Legal group of companies
4 Data taken from credit card settlements by our sister company Clear Legal Marketing Limited between 1st January 2022 and 23rd October 2024
3 Data taken from short-term loan settlements by our sister company Clear Legal Marketing Limited between 1st January 2022 and 23rd October 2024.
1 Based on the average settlements of £1,1943 for a loan claim and £2,7364 for a credit card claim
2 Data taken from Clear Legal group of companies
3 Data taken from short-term loan settlements by our sister company Clear Legal Marketing Limited between 1st January 2022 and 23rd October 2024.
4 Data taken from credit card settlements by our sister company Clear Legal Marketing Limited between 1st January 2022 and 23rd October 2024
1 Based on the average settlements of £1,1943 for a loan claim and £2,7364 for a credit card claim
Frequently asked questions
What is Irresponsible Lending?
When lenders agree to loan a customer money, they first need to carry out reasonable and proportionate checks to ensure the borrower can afford the repayments. Therefore, providing loans and credit without adequately assessing if the borrower can afford it is referred to as irresponsible lending.
What checks must the lender do?
What is reasonable or proportionate will vary depending on a customer’s circumstances at the time but it will include a consideration of the following:-
- How much you are borrowing
- What the repayments are and for how long you have to continue to pay them
- Your financial position at the time you took out the loan
- How much you have to pay back overall
How Do I Know If I’m Affected?
You might be eligible to make an irresponsible lending complaint if you have ever had a loan, credit card or overdraft and any of the following apply:
- Your lender made insufficient enquiries into your financial situation
- You had to borrow more to keep up with your debt repayments
- You missed payments because you couldn’t afford them
- You struggled with day to day living costs because of your debt repayments