Unaffordable Lending & Overdraft Claims

Unaffordable Lending & Overdraft Claims

Check if you can reclaim interest, overdraft fees and charges


You could be owed money if a lender approved credit, loans, or an overdraft that wasn’t affordable for you.


With Claim Eazy, checking is quick, simple, and there’s no obligation to proceed.

Start Your Check Now

No upfront fees     •     No obligation     •     100% Confidential

Check if you can reclaim interest, overdraft fees and charges


You could be owed money if a lender approved credit, loans, or an overdraft that wasn’t affordable for you.


With Claim Eazy, checking is quick, simple, and there’s no obligation to proceed.

Start Your Check Now

No upfront fees     •     No obligation     •     100% Confidential

You May Have a Claim If:

You struggled to keep up with repayments

If a loan, credit card, or overdraft left you financially stretched, it may never have been affordable in the first place.



You were stuck in a cycle of borrowing

Taking out new credit to repay existing debts is a key warning sign lenders should identify and act on.



You applied online and were quickly approved

Online applications still require proper affordability checks. Fast approval doesn’t remove the lender’s responsibilities.

You relied on your overdraft month after month

Persistent overdraft use (sometimes called “hardcore borrowing”) should trigger checks from your bank. If this didn’t happen, you may be entitled to reclaim overdraft fees and charges.

Your credit limit or overdraft kept increasing

Lenders must check affordability before raising limits. If they didn’t, those increases may have been irresponsible.

Your borrowing was linked to gambling



Lenders should act on signs of gambling-related spending. If they failed to do so, this may support your claim.

You May Have a Claim If:

You struggled to keep up with repayments

If a loan, credit card, or overdraft left you financially stretched, it may never have been affordable in the first place.



You were stuck in a cycle of borrowing

Taking out new credit to repay existing debts is a key warning sign lenders should identify and act on.



You applied online and were quickly approved

Online applications still require proper affordability checks. Fast approval doesn’t remove the lender’s responsibilities.



You relied on your overdraft month after month

Persistent overdraft use (sometimes called “hardcore borrowing”) should trigger checks from your bank. If this didn’t happen, you may be entitled to reclaim overdraft fees and charges.



Your credit limit or overdraft kept increasing

Lenders must check affordability before raising limits. If they didn’t, those increases may have been irresponsible.



Your borrowing was linked to gambling

Lenders should act on signs of gambling-related spending. If they failed to do so, this may support your claim.

You May Have a Claim If:

You struggled to keep up with repayments

If a loan, credit card, or overdraft left you financially stretched, it may never have been affordable in the first place.






You were stuck in a cycle of borrowing

Taking out new credit to repay existing debts is a key warning sign lenders should identify and act on.



You relied on your overdraft month after month

Persistent overdraft use (sometimes called “hardcore borrowing”) should trigger checks from your bank. If this didn’t happen, you may be entitled to reclaim overdraft fees and charges.



Your credit limit or overdraft kept increasing

Lenders must check affordability before raising limits. If they didn’t, those increases may have been irresponsible.

You applied online and were quickly approved

Online applications still require proper affordability checks. Fast approval doesn’t remove the lender’s responsibilities.

Your borrowing was linked to gambling

Lenders should act on signs of gambling-related spending. If they failed to do so, this may support your claim.

What could you recover?

You may be able to reclaim:

  • Interest paid on unaffordable lending
  • Overdraft fees and charges
  • Default charges and penalties
  • Additional compensation where appropriate

How it works

01

Quick check

Answer a few simple questions to see if you may have a claim

02

We review your case

With your permission, we assess your bank statements and direct subject access report (DSAR)

03

We handle the process

If you have a valid claim, we'll let you know and confirm next steps

04

The Right Outcome

We'll ensure that you receive the right outcome for your situation

Start Your Check Now

Why Claim Eazy?

• No Upfront Fees

• Simple and quick process

• Over a decade of claims experience

• We handle everything for you


Start Your Claim Today

It only takes a couple of minutes and you may find out you're due money.

IMPORTANT INFORMATION: Claim Eazy is a marketing agency for claims management activities. If you choose to pursue a claim with our chosen partner and that claim is successful a contingency charge will be applicable in respect of any redress/compensation/goodwill payment recovered on your behalf. Claim Eazy receives a referral fee from our Partners and do not add anything additional to what they charge. You may not need a claims management company or solicitor to make a claim to your provider and if your complaint is not successful you can refer it to the Financial Ombudsman Service for free.