No Win, No Fee – we charge up to 28% of any compensation received 
For example, if you receive £1,000, our fee would be £280, and you would receive £720.  
You pay nothing if your claim is unsuccessful 
 
⭐ Experienced in handling claims | 📄 We aim to make the process straightforward 
 
You are not required to use a claims management company to make a complaint. You can do this yourself for free, either directly to the lender or via the Financial Ombudsman Service. 

Check If You May Be Able To Make A Complaint 

Complete our short form to see whether you may be able to make a complaint. This will not affect your credit score. 
 
We’ll only use the information you provide to assess your eligibility and process your claim securely. Your details will never be shared with third parties, and you can opt out at any time. Providing your DOB and address helps us verify your claim and ensure the process is quick and accurate. 
 
✅ Secure & confidential  
 
Your privacy matters: We’ll only use your information to assess your potential claim. We never share your details and you can opt out anytime. 
 
 
 

 Irresponsible Lending Claims 

High-cost loans and credit cards can cause financial difficulty where appropriate affordability checks may not have been carried out before credit was provided or increased. 
 
If a lender does not properly assess whether borrowing is affordable, it may lead to difficulties in keeping up with repayments and meeting everyday living costs. 
 
Does this apply to you? 
 
You may be able to make a complaint if: 
 
You were given credit that you found difficult to repay 
You had multiple loans or increasing balances 
The borrowing may not have been affordable based on your circumstances 
You experienced difficulty meeting essential living costs such as rent, bills, or food 
You borrowed additional money to keep up with repayments 
 
Each case is assessed individually. 
 
How we can help 
 
We review your circumstances to assess whether a complaint may be appropriate. 
 
If you choose to proceed, we can: 
 
Assess your borrowing history 
Submit a complaint to the lender 
Handle communication with the lender on your behalf 
 
When you can complain 
 
We may be able to assist whether: 
 
You are still making repayments 
The borrowing has been repaid 
The account has defaulted or been passed to a third party 
 
Important information 
 
If a complaint is successful, compensation may include a refund of interest and charges. 
 
Compensation amounts vary depending on individual circumstances and are not guaranteed. 
 
 
 

If your complaint is successful, you may receive compensation such as a refund of interest and charges. 

 Make a Claim  

 
 
 
You can start your claim now. Simply complete our claim form or call us to talk through your claim. 

 The Process  

 
 
 
We keep things simple and do all the work for you using the information we collect from your credit provider(s). 

 Our Fees  

 
 
 
No Win, No Fee - this means that if we are unsuccessful in the claim, then no fee is due to us. 

 Recent Client Feedback  

★★★★★ 
"Reclaimed £8,909.38 for me. Great service." 
 
Mrs I Clarke 
 
 
 
★★★★★ 
"Communicated well and the whole process was quick and easy." 
 
Mr P Blyth 
 
 
 
★★★★★ 
"My claim adviser Shaun was very friendly handled my claim well." 
 
Mrs S Tolan 
 
 
 
★★★★★ 
"Wellbeing Services took the hassle out of claiming my redress." 
 
Mr K Whitehead 
 
 
 

Wellbeing Services Limited is authorised and regulated by the Financial Conduct Authority  Reference number: FRN689147