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
Raging Frank
Mis-Sold Overdrafts
Latest Overdrafts Updates & Advice
By David TurnerIf you have been given an overdraft you cannot hope to repay, and have received credit limit increases without asking and without proper affordability checks you may have a claim against your lender.
Published: 12/02/2025 – 11:59 | Updated: 12/02/2025 – 16:10
Motivated by Refunds
💥 OVERDRAFT MIS-SELLING — TIME TO FLEX ON YOUR BANK 💥
📄 INTRO
Overdrafts might look like a backup plan, but that’s just the trap. What starts as a cushion turns into a chokehold. If your account's been bleeding interest for months, that ain’t financial help — that’s a setup. Banks are supposed to lend with limits. When they cross the line, it's game on. Time to call it what it is: overdraft mis-selling.
💸 UNAFFORDABLE OVERDRAFTS
Your overdraft was never supposed to be your lifestyle. If you’ve been stuck in it month after month, paying more in charges than groceries, that’s not your fault — that’s bad lending. If they didn’t check whether you could afford it long-term, they failed. Same goes for credit cards, payday loans, car finance — if it breaks your budget, it breaks the rules.
📆 LONG-TERM OVERDRAFT USE
Banks don’t hand out money because they care — they do it for profit. But with that comes responsibility. If you’ve been overdraft-bound for ages, and they let it slide while charging you sky-high interest, that’s not lending — that’s exploitation. With the cost-of-living crisis squeezing harder than your lifting belt, more people are fighting back. Be one of them. Don’t just survive — dominate.
⚔️ MAKING A COMPLAINT
First, gather every shred of proof — your bank statements, overdraft agreement, and anything showing your finances were stretched thin when they let that limit grow. Next, hit your bank with a complaint that pulls no punches. Tell them straight: they loaned recklessly and you’ve got the evidence to prove it. Let them run their internal process — but don’t wait forever. If they stall or deny it, go straight to the Financial Ombudsman Service. That’s the heavyweight in your corner, ready to throw the knockout punch.
📈 IMPACT ON YOUR CREDIT
Worried your complaint will mess with your credit score? Don’t be. Complaining doesn’t get logged on your credit file. But if you win, any black marks caused by their shady lending — late payments, defaults — could get wiped clean. The Ombudsman has the power to make that happen. Get it fixed, get your name clean, and walk away stronger.
Bottom line? If your overdraft’s crushing your wallet like a barbell on a failed bench press, it’s time to take control. The bank played you — now it’s your move. Build your case, make noise, escalate when needed — and show them you’re not just another customer. You’re a financial alpha, and you’re done being exploited.
💥 OVERDRAFT MIS-SELLING — TIME TO FLEX ON YOUR BANK 💥
📄 INTRO
Overdrafts might look like a backup plan, but that’s just the trap. What starts as a cushion turns into a chokehold. If your account's been bleeding interest for months, that ain’t financial help — that’s a setup. Banks are supposed to lend with limits. When they cross the line, it's game on. Time to call it what it is: overdraft mis-selling.
💸 UNAFFORDABLE OVERDRAFTS
Your overdraft was never supposed to be your lifestyle. If you’ve been stuck in it month after month, paying more in charges than groceries, that’s not your fault — that’s bad lending. If they didn’t check whether you could afford it long-term, they failed. Same goes for credit cards, payday loans, car finance — if it breaks your budget, it breaks the rules.
📆 LONG-TERM OVERDRAFT USE
Banks don’t hand out money because they care — they do it for profit. But with that comes responsibility. If you’ve been overdraft-bound for ages, and they let it slide while charging you sky-high interest, that’s not lending — that’s exploitation. With the cost-of-living crisis squeezing harder than your lifting belt, more people are fighting back. Be one of them. Don’t just survive — dominate.
⚔️ MAKING A COMPLAINT
First, gather every shred of proof — your bank statements, overdraft agreement, and anything showing your finances were stretched thin when they let that limit grow. Next, hit your bank with a complaint that pulls no punches. Tell them straight: they loaned recklessly and you’ve got the evidence to prove it. Let them run their internal process — but don’t wait forever. If they stall or deny it, go straight to the Financial Ombudsman Service. That’s the heavyweight in your corner, ready to throw the knockout punch.
📈 IMPACT ON YOUR CREDIT
Worried your complaint will mess with your credit score? Don’t be. Complaining doesn’t get logged on your credit file. But if you win, any black marks caused by their shady lending — late payments, defaults — could get wiped clean. The Ombudsman has the power to make that happen. Get it fixed, get your name clean, and walk away stronger.
Bottom line? If your overdraft’s crushing your wallet like a barbell on a failed bench press, it’s time to take control. The bank played you — now it’s your move. Build your case, make noise, escalate when needed — and show them you’re not just another customer. You’re a financial alpha, and you’re done being exploited.
Recent Posts on this Topic...
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.
You are not alone and there is help
If you’ve been affected by the mis-selling of overdrafts, you’re not alone. Many customers have been left struggling with unmanageable debt, unexpected fees, and unclear terms due to poor practices by financial institutions. This page is here to provide you with the support and information you need to understand your rights, identify whether your overdraft was mis-sold, and take steps to address the issue. From hidden charges to inadequate affordability checks, i’ll help you navigate the process of seeking redress and reclaiming control over your finances.