In this guide
Mis-sold Overdrafts
Mis-sold Mortgages
Mis-sold Credit | Store Cards
Mis-sold PCP Car Loans
Mis-sold Fraud & Scam Advice
Mis-sold Pensions & Investments
Hidden | Undisclosed Commissions
Mis-sold Pay Day Loans
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Mis-Sold Overdrafts
Latest Updates
By David TurnerStruggling with Debt? – Have you been mis-sold a product you didn’t need, or were charged excessive commissions or interest, increasing your level of debt? Our aim is to provide you with the information you need in a simple, straightforward way to help you understand if you have a claim and if you do, how to progress it. Published: 12/02/2025 – 11:59 | Updated: 12/02/2025 – 16:10
Motivated by Refunds
Bills & Debt Dragging You Down? Here’s the Game Plan.
Listen up — if your bills and debts are choking your grind, you’re not alone. Let’s cut the fluff and hit the essentials.
💪 What to Prioritize
Money tight? Focus like a beast on the essentials first. Use budgeting tools like National Debtline’s to:
- Organize your cash flow like a pro.
- Spot priority bills — rent, mortgage, utilities. No exceptions.
- Build a budget to show creditors you mean business.
⚡ Priority Bills & Debts
Energy Bills
- Energy suppliers must give you payment plans. Demand what’s fair.
- Behind on payments? Ask about stretched-out plans.
- Check grants from British Gas, E.ON, EDF, Scottish Power — free cash is free cash.
Rent & Mortgage
- Universal Credit can help with rent. Mortgage Support if you’re on UC 13+ weeks.
- Call lenders. Fight eviction with Citizens Advice backing.
Council Tax
- Councils don’t mess around. Apply for Section 13A if you can’t pay.
- Citizens Advice will have your back on arrears.
Water Bills
- Water companies offer payment plans & discounts for low income — ask.
Car Finance
- Miss payments = repossession risk. Call lenders or National Debtline ASAP.
Broadband Discounts
- On UC, Pension Credit, or ESA? Grab social tariffs for cheaper broadband.
🔥 Non-Priority Debts (Credit Cards, Loans)
- Hit lenders up: Ask for payment cuts and interest freezes.
- Debt Management Plans: StepChange can bundle debts into one manageable payment.
- Other moves: Token payments, DROs, bankruptcy — get expert advice.
⚙️ Got a Debt Solution Already?
- DMPs: Negotiate lower payments or payment breaks if the grind is too heavy.
- IVAs, Bankruptcy, DROs: Talk to your advisor. Switch if you need a better fit.
🤝 Where to Get Help
- Citizens Advice: Priority debts and emergency backup.
- National Debtline: Free urgent advice. Call 0808 808 4000.
- StepChange: Free Debt Management Plans. Call 0800 138 1111.
- Business Debtline: For self-employed hustlers.
Ignore firms charging for free services — play smart.
💸 Benefits Help
Use Turn2Us to check your benefits eligibility. For Universal Credit or hardship support, Citizens Advice is your spot.
Bottom line: You’ve got options. Don’t wait. Step up, get help, crush your debt.
Bills & Debt Dragging You Down? Here’s the Game Plan.
Listen up — if your bills and debts are choking your grind, you’re not alone. Let’s cut the fluff and hit the essentials.
💪 What to Prioritize
Money tight? Focus like a beast on the essentials first. Use budgeting tools like National Debtline’s to:
- Organize your cash flow like a pro.
- Spot priority bills — rent, mortgage, utilities. No exceptions.
- Build a budget to show creditors you mean business.
⚡ Priority Bills & Debts
Energy Bills
- Energy suppliers must give you payment plans. Demand what’s fair.
- Behind on payments? Ask about stretched-out plans.
- Check grants from British Gas, E.ON, EDF, Scottish Power — free cash is free cash.
Rent & Mortgage
- Universal Credit can help with rent. Mortgage Support if you’re on UC 13+ weeks.
- Call lenders. Fight eviction with Citizens Advice backing.
Council Tax
- Councils don’t mess around. Apply for Section 13A if you can’t pay.
- Citizens Advice will have your back on arrears.
Water Bills
- Water companies offer payment plans & discounts for low income — ask.
Car Finance
- Miss payments = repossession risk. Call lenders or National Debtline ASAP.
Broadband Discounts
- On UC, Pension Credit, or ESA? Grab social tariffs for cheaper broadband.
🔥 Non-Priority Debts (Credit Cards, Loans)
- Hit lenders up: Ask for payment cuts and interest freezes.
- Debt Management Plans: StepChange can bundle debts into one manageable payment.
- Other moves: Token payments, DROs, bankruptcy — get expert advice.
⚙️ Got a Debt Solution Already?
- DMPs: Negotiate lower payments or payment breaks if the grind is too heavy.
- IVAs, Bankruptcy, DROs: Talk to your advisor. Switch if you need a better fit.
🤝 Where to Get Help
- Citizens Advice: Priority debts and emergency backup.
- National Debtline: Free urgent advice. Call 0808 808 4000.
- StepChange: Free Debt Management Plans. Call 0800 138 1111.
- Business Debtline: For self-employed hustlers.
Ignore firms charging for free services — play smart.
💸 Benefits Help
Use Turn2Us to check your benefits eligibility. For Universal Credit or hardship support, Citizens Advice is your spot.
Bottom line: You’ve got options. Don’t wait. Step up, get help, crush your debt.
Where you forced to take out additional loans due to irresponsible lending?
How much interest are you paying?
Please remember there may also have been fees added to the finance too.
There are three less common debt solutions to consider. Full & Final Settlements are ideal if you’ve been on a Debt Management Plan (DMP) or unable to make payments for some time and now have access to a lump sum to negotiate settlements. Write-off debts are usually only an option in exceptional circumstances, as creditors rarely agree to this. Administration Orders, once more common, are now extremely rare, with only 16 issued in England and Wales in September 2016.
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.
| Period | Payment | Interest | Balance |
|---|
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.
✔️
Listen up: how this website & forum rolls
Listen up: how this website & forum rolls
⚔️
Know the rules. Own the game.
This site? It’s built for warriors — not whiners. We’re here to arm you with real-world info to help take down financial deals you may have liked. We’ve got over two decades of street-level intel from the claims game and the financial trenches. But hey, we’re not your mum or your money manager — you use our tips at your own risk. You mess it up? That’s on you.
- ❗
No, this isn’t financial advice. We’re not FCA-regulated suits. We’re not liable if you jump without checking your parachute. - 🛡️
This is our turf — our views, our words, our battle scars. Take what helps. Leave the rest. - 💰
We don’t earn a penny from this forum. We’re not selling snake oil. Just helping you dodge the traps we’ve seen a hundred times before. - 🔗
We link to other sites when it’s useful — but we don’t babysit their content. Click smart. - ⚠️
This forum’s a free-for-all — anyone can post. Just because it’s here doesn’t mean it’s gospel. Use your head.
Listen up: How this website & forum rolls
Know the rules. Own the game.
This site? It’s built for warriors — not whiners. We’re here to arm you with real-world info to help take down financial deals you may have liked. We’ve got over two decades of street-level intel from the claims game and the financial trenches. But hey, we’re not your mum or your money manager — you use our tips at your own risk. You mess it up? That’s on you.
- No, this isn’t financial advice. We’re not FCA-regulated suits. We’re not liable if you jump without checking your parachute.
- This is our turf — our views, our words, our battle scars. Take what helps. Leave the rest.
- We don’t earn a penny from this forum. We’re not selling snake oil. Just helping you dodge the traps we’ve seen a hundred times before.
- We link to other sites when it’s useful — but we don’t babysit their content. Click smart.
- This forum’s a free-for-all — anyone can post. Just because it’s here doesn’t mean it’s gospel. Use your head.