Are you just getting by month to month with multiple credit accounts. E.g. overdraft, credit cards, loans, catalogues or buy now pay later credit agreements.

In the digital world we have lived in over the last decade credit has been easily available whether it be large overdrafts to credit card offers or buy now pay later at the checkout, many of these credit offers come with very high interest rates. it has never been easier to apply for credit. However, the regulator of the financial markets the FCA’s rules have become stricter regarding how lenders onboard new customers and how they continue to monitor that customers credit worthiness. Lenders have a responsibility to carry out an affordability check at the beginning of any new lending agreement and any subsequent credit increases to that agreement.

Many consumers may face initial strict credit checks but as long as they meet payments, they will then be offered higher credit lines without such stringent checks which are likely done by a computer system without checking affordability.

Due to the lack of proper checks unaffordable lending claim can argue legal points that enables us to achieve a refund of all the interest paid on these agreements where unaffordability and other legal arguments are met.

Unaffordable lending claim have achieved refunds of lending interest for thousands of consumers across the UK putting them in a much better financial position whilst having any adverse impact on their credit report from the lending removed,

For many consumers this results in over 70% of their debts being reduced by a loan reduction or a cash settlement.