Reclaim Unaffordable Store Card Charges Today.

If you were given a store card with high interest you couldn't afford, you may be owed £1,000s in compensation.

unaffordable lending claims

Everything you need to know

Convenient or Costly?

Store cards, often offered at tills or online checkouts, promise discounts and rewards — but they often come with very high interest rates, sometimes over 30–40% APR, and in some cases, exceeding 80% APR.

According to the FCA, over 1.4 million UK cardholders have been stuck in persistent debt, making only minimum payments for 3 years or more. This includes many store card users, who were encouraged to spend with increased limits but had no realistic way to repay.

If you were given a store card with a high limit and high interest, and you struggled to make payments, you may have been a victim of unaffordable lending. This means you could be owed compensation for the interest and charges you paid.

What Counts as Unaffordable Lending for Store Cards?

Store card providers have a legal responsibility under FCA regulations to ensure lending is responsible and affordable. If they failed to check your ability to repay, or made your financial situation worse by increasing limits, you may have a valid claim.

Common red flags include:

  • Missed or defaulted payments on other credit cards, loans, or overdrafts
  • Multiple credit limit increases for months or years
  • Rising card balances instead of decreasing them over time

If any of these apply to you, you may be eligible for a refund of interest and charges.

You Might Be Eligible if:

  • You received multiple credit limit increases you didn’t request
  • You were only able to make minimum payments for long periods
  • You had missed or defaulted payments on other credit accounts
  • Your card balance stayed the same or increased, despite regular payments
  • You were already in financial difficulty when you were given the card or a limit increase

Why Make a Store Card 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 £500 to over £3,000, depending on your personal circumstances and the charges applied.

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

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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 only been making minimum payments for years and your balance hasn't gone down, it may indicate the card was unaffordable from the start — and you could be owed compensation.

Even if you accepted it, the lender still had a duty to check affordability. If they failed to assess your financial situation properly, the limit increase may be classed as irresponsible lending.

Yes. You can still claim compensation for interest and charges applied during the time the card was unaffordable — even if the balance is paid or the account is closed.

No. Making a claim is a formal complaint about past lending and won’t negatively impact your credit score or borrowing ability.

Many people reclaim £500 to £3,000 or more, depending on how long they were in debt and how much interest or fees were charged during that time.

Just a few basic details to begin — we’ll then request your data from the lender directly and handle the entire process on your behalf.

Ready to See If You Qualify for Compensation?

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