Make A Claim

Simply complete the contact form below or telephone 0800 246 1361

Name:

Any Previous Names:

Current Address:

Previous Addresses:

Telephone Number:

Date of Birth:

Email Address:

Lender you would like to claim against:

How would you like to receive you claim pack?

Please note, you do not need to use a claims management company to make your complaint to your lender(s), and if your complaint(s) is not successful, you can refer it to the Financial Ombudsman Service yourself for free.

Irresponsible Lending Claims

High cost loans, credit cards and catalogues can cause misery when the lender does not undertake proper affordability checks either at the outset of the lending relationship, or when re-lending / increasing the credit limit. This has left many people struggling to survive after making loan, credit card or catalogue payments. Sound familiar? Here at Wellbeing Services we’ve been claiming against high cost lenders since 2016 and have a long track record in claiming compensation.

We will investigate to establish if your loan(s) / credit card(s) / catalogue(s) were irresponsibly given to you. We will investigate your account to establish if:

• Proper checks were not being made on your financial position.

• You were given a loan / credit card / catalogue or multiple loans / credit cards / catalogues that were simply not affordable and/or suitable.

• The borrowing formed a significant part of your income and impacting your ability to maintain payments on other priority items e.g. rent or mortgage, utility bills (water, gas, electricity) or just day to day living expenses.

• You needed to borrow from elsewhere (other lenders, family members) to cover repayments to your loan(s) / credit card(s) / catalogue(s).

• Lenders who sell too many loans could be in breach of the regulatory conduct.

• Not assisting you when they know you are experiencing financial hardship.

We can make claims to your lender(s) even if you have repaid the loan(s) / credit card(s) / catalogue(s), or you still owe money.

How much you are owed will depend on your level of borrowing. We aim to recover all the interest you repaid to the lender in respect of your repayments if we believe the loan(s) / credit card(s) / catalogue(s) was unsuitable.

MAKE A CLAIM