LOAN TRAPS UNCOVERED — TAKE BACK CONTROL 
THE PROBLEM: WERE YOU SET UP TO FAIL?
Thought your loan was safe? Think again. Hidden fees. Eye-watering interest. Terms buried in the fine print. If this rings a bell, you’re far from alone.
Thousands have been mis-sold by lenders. If your loan was doomed from day one, it’s not bad luck — it’s mis-selling.
This isn’t just unfair — it’s financial abuse. You deserve to be paid back.
“You thought it was affordable. You thought they’d cope. Now you’re drowning in debt -that stops here.”
Check what’s owed with our Loan Checker tool
ARE YOU OWED A REFUND?
If any of these sound like you, you’ve probably got a case:
- They gave you a loan even though you were already struggling financially.
- No clear breakdown of the true cost or long-term impact.
- No proper affordability checks — just a quick signature.
- You’ve been trapped in an endless debt cycle.
- You were pressured, misled, or outright lied to.
One “yes” is enough to start your claim.
HOW TO CLAIM — 3 SIMPLE STEPS
STEP 1: FIND THEIR COMPLAINTS PAGE
Scroll to the very bottom of their site — that’s usually where they hide it. Grab their email or form link. That’s your starting point.
STEP 2: LAY OUT YOUR CASE
Be blunt. Be specific. Explain exactly how they failed you and the damage it caused. Make it impossible for them to dodge responsibility.
They have 8 weeks to respond. If they stall or fob you off, escalate it to the ombudsman:
www.financial-ombudsman.org.uk
STEP 3: GET THE EVIDENCE
Missing info? Submit a DSAR (Data Subject Access Request). It’s free, legal, and forces them to hand over every record. Include your name, date of birth, and any previous addresses.
You’re not asking for a favour — you’re demanding justice. Don’t delay. Don’t hesitate. Take action now.
Calculator Information
The Finance Calculator calculates the type of repayment required, at the frequency requested, in respect of the loan parameters entered, namely amount, term and interest rate. Remember there may have been other costs too. The Equipment Finance Calculator also calculates the time saved to pay off the loan and the amount of interest saved based on an additional input from the customer. This is if repayments are increased by the entered amount of extra contribution per repayment period. This feature is only enabled for the products that support an extra repayment. The calculations are done at the repayment frequency entered, in respect of the original loan parameters entered, namely amount, annual interest rate and term in years.
Calculator Assumptions
Length of Month
All months are assumed to be of equal length. In reality, many loans accrue on a daily basis leading to a varying number of days interest dependent on the number of days in the particular month.
Number of Weeks or Fortnights in a Year
One year is assumed to contain exactly 52 weeks or 26 fortnights. This implicitly assumes that a year has 364 days rather than the actual 365 or 366.
Rounding of Amount of Each Repayment
In practice, repayments are rounded to at least the nearer cent. However, the calculator uses the unrounded repayment to derive the amount of interest payable at points along the graph and in total over the full term of the loan. This assumption allows for a smooth graph and equal repayment amounts. Note that the final repayment after the increase in repayment amount.
Rounding of Time Saved
The time saved is presented as a number of years and months, fortnights, or weeks, based on the repayment frequency selected. It assumes the potential partial last repayment when calculating the savings.
Amount of Interest Saved
This amount can only be approximated from the amount of time saved and based on the original loan details.
Calculator Disclaimer
The results from this calculator should be used as an indication only. Results do not represent either quotes or pre-qualifications for the product. Individual institutions apply different formulas. Information such as interest rates quoted and default figures used in the assumptions are subject to change.
Find the potential cost of your finance
**Note: For exceeding 120 no. of payments, a group of 12 payments will be combined into a single payment number for better chart visibility.
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Calculator Disclaimer
The repayment amount shown using this calculator is an estimate, based on information you have provided. It is provided for illustrative purposes only and actual repayment amounts may vary. To find out actual repayment amounts, contact us. This calculation does not constitute a quote, claim approval, agreement or advice by Financial Claims Experts. It does not take into account your personal or financial circumstances.