Irresponsible Lending
Given Loans You Couldn’t Afford? We Fight for Refunds and Compensation.
Lenders have a legal duty to check whether you can afford the credit they offer. If they gave you loans or cards you couldn’t manage, you may have a case for irresponsible lending.
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We Help Raise Complaints About
We Help Raise Complaints About:
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Credit card lenders
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Payday loan providers
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High-cost credit companies
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Catalogue and store card accounts
What We Do
We Help You Challenge Potentially Unaffordable Lending
We may be able to help you raise a complaint if you believe a lender gave you credit that you could not reasonably afford at the time. This may include:
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Credit card providers
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Payday lenders
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High-cost short-term or instalment loan providers
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Catalogue and store card companies
Our Process:
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We review your credit history, income, and expenditure at the time of borrowing
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We help draft and submit complaints to lenders
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Where appropriate, we may refer the complaint to the Financial Ombudsman Service (FOS)
If successful, outcomes can include refunds of interest, compensation, or corrections to your credit file
Important Information:
Our services are provided on a no win, no fee basis. This means if your claim is unsuccessful, you will not owe us a fee. If your claim is successful, a fee will be deducted from any redress you receive. Full details of our fee structure are provided in our terms of engagement.
You can raise a complaint about unaffordable lending yourself, for free, directly with your lender and escalate to the Financial Ombudsman Service if needed.
We are not authorised by the Financial Conduct Authority (FCA) to provide debt advice or manage claims that fall under regulated activity. If you require regulated advice, we recommend contacting an FCA authorised firm.
Regulatory Notice
Speak For You Ltd is not authorised or regulated by the Financial Conduct Authority and is not regulated by the Solicitors Regulation Authority.
We do not provide debt advice, debt counselling, debt adjusting, credit broking, claims management, legal advice, or representation.
Our work is limited to factual document review, general information, administrative support, and self-help templates.
We do not recommend any debt solution, negotiate with creditors or insolvency practitioners, submit complaints on your behalf, or seek compensation for you.
Where regulated advice, legal representation, or claims management is required, you should use an FCA-authorised firm, licensed insolvency practitioner, FCA-authorised claims management company, or SRA-regulated solicitor.