Reclaim Unaffordable Overdraft Charges Today.

If you were charged overdraft fees you couldn't afford, you may be eligible for compensation. We've helped thousands across the UK recover what's rightfully theirs.

unaffordable lending claims

Everything you need to know

What Is an Overdraft and Why It Matters

An overdraft allows you to temporarily borrow money through your current account, typically used to cover short-term shortfalls. But for millions in the UK, overdrafts have become a long-term financial burden.

According to the FCA, over 15 million people in the UK use an overdraft — and many are paying extremely high interest rates, between 20% and 40%, with some banks charging over 80% APR.

Relied on overdrafts, credit cards or loans

While overdrafts were designed as a short-term safety net, banks have frequently extended large credit limits without checking if customers could afford to repay them. This is known as irresponsible lending — and it's a growing problem.

Many customers have:

  • Lived in their overdraft for years, unable to get out
  • Received multiple limit increases despite struggling with debt
  • Relied on credit cards or loans just to cover essentials

This type of lending is not only irresponsible — it may be grounds for a compensation claim.

You Might Be Eligible if:

  • You were frequently in your overdraft and struggled to get out of it
  • Your bank increased your overdraft limit without checking if you could afford it
  • You relied on your overdraft as part of your income
  • You received letters or calls about missed payments or arrears
  • You were charged fees for going over your limit or maintaining an overdraft you couldn't pay back

Why Make an Overdraft Claim?

  • Get back money you were unfairly charged — interest, fees, and more
  • Stop further interest and fees from building up
  • Get relief from financial stress and restore control

How Much Could I Get Back?

Typical refunds range from £1000 to over £3,000 for Overdrafts.

Ready to start your claim?

Take the first step towards reclaiming what's rightfully yours. Our no-win, no-fee process is quick, easy, and hassle-free.

Quick easy sign-up process

No documents needed to start

We handle everything — from start to finish

FCA-regulated & trusted by thousands

Simple, Stress-Free Process

Here’s How It Works

We make it easy — no paperwork, no legal jargon. Just three simple steps to get the compensation you deserve.

Step 1.

Start Your Claim in Minutes

Just fill in a quick form and sign your documents to get started. It’s simple, secure, and takes less than five minutes — no back-and-forth or paperwork delays.

  • Fast, secure online form
  • No printing or scanning needed
  • Get your claim underway immediately

Step 2.

We Handle Everything

Once you’ve signed your documents, our expert team gets to work. We’ll build your case, contact the lender, and manage everything — while keeping you informed every step of the way.

  • We deal directly with lenders
  • You stay informed with updates
  • No stress, no chasing

Step 3.

Get the Outcome You Deserve

Once your claim is successful, you’ll receive compensation — and the peace of mind that comes with standing up for your rights.

  • Get back what you're owed
  • Know your rights were respected
  • Start fresh, with confidence

Frequently asked questions

Yes. If you've relied on your overdraft long-term and the bank didn't properly assess affordability, you could be eligible to claim compensation.

Anything from 20% to 40% APR can be excessive. Some banks have charged over 80% APR — and if this happened while you were struggling financially, it may be unaffordable lending.

Yes. If your bank increased your overdraft limit without checking if you could afford it, that could be considered irresponsible — and you may have a valid claim.

Yes, you can still make a claim. If the overdraft was unaffordable at the time, you may be entitled to a refund of interest and fees — even if it’s now repaid.

Initiating a claim will not affect your current account or credit score. However, in the case of a successful claim, it is likely the overdraft facility will be removed by your lender.

Simply complete our short on-line questionnaire and we’ll handle the rest using the latest technology and over 20 years claims experience

Ready to See If You Qualify for Compensation?

It only takes a minute to start — no cost, no obligation, and nothing to lose.