Money claims online

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How does the claim system work?



– Mis-Sold Loans
– Hassle Free Claim
– Easy Application

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Loan Claim

Workplace Injueries

– Injury at work

– Claim Experts

-Top Lawyers

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Car Finance

– Mis-Sold Car Finance
– Mis-Sold PCP
– No win no fee

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-Claim Experts
-No Win No Fee
-Hassle Free Claims

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Frequently Asked Questions

What loan companies can you claim a refund against?

Almost every loan on the market has the potential to be mis-sold

If you feel your loan was mis-sold at the time the application was made and paid out including any ‘Top Up’s’ we will work with you and the lender to investigate.

Predominately, Claims management companies reclaimed refunds against Doorstep lenders like Provident, Guarantor Loans including Amigo and Payday Loans (short term Loans).

How do I know I could I claim for a refund?

If your lender did not make the necessary checks before they giving you the loan, this could would be classed as irresponsible lending. It is a lenders responsibly to ensure that people can afford the loan, and not struggle to make the loan payments. If you have found yourself in this situation, this is where we can help you.

Our mission is to highlight the irresponsibility and injustice of some services, in particular mis-sold loans and mortgages, and give people the chance to correct this unfairness. We are ‘not’ a claims management company but we work closely with our partners, who are CMCs, to help our customers receive loan refunds for a variety of mis-sold loans including Guarantor Loans, Payday Loans (short term) and Doorstep Loans, in addition to other services such as PPI and PCP Refunds, Marriage Tax Allowance and Mis-sold Mortgages.

How long does it take to process my claim from start to finish?

From the day you complete a claim application form, you will be contacted shortly after by one of our partners who will work your complaint. You should receive a response via the claims management company from the lender/lenders to your complaint between 8 – 16 weeks.

If the lender rejects the claim, it may be that you are recommend to refer your complaint to the Financial Ombudsman, in which case it may take anything from a few months to a year and even longer to resolve with complex claim refunds.

The complete process from submitting a claim to receiving a refund on average is between 6-18 weeks, however please be advise this is a guidance. No two compensation claims are the same and its as common a complicated claim may take 6 months to be fully paid out.

Do be aware of claims management companies offering “fast pay outs” or not explaining the process fully. As exprts we want to be clear form the start and out partners will be nothing but honest and professional.

All Claims Management companies acting on behalf of a consumer must follow the same procedure, and therefore time scales, please be aware, no claims management company are in control of the time it takes for the lender, FCA or FOS to reply.

Do I need to use a claims mangment company to submit a claim?

No, you do not need to use a Claims Management Company to make a claim against your lender(s) but we understand that it can be daunting for some people to do this, without support and assistance from a knowledgeable source, which is why we are here to help as another option.

If you wish to claim against your lender, you can do this yourself directly with them and even if the lender reject your claim you can still take this to the Financial Ombudsman Service. Here the link for you to follow:

If you aren’t sure how to make the claim, you can get free, impartial advice from consumer organisations. On each of the lender pages we have included the address where documentation can be sent should you wish to claim directly with the lender in question.

The answer to the question is simple, you do ‘not’ need a claims management company to act of your refund claim.

Have you been mis-sold a Loan?

Reclaiming Loan Refunds, which in simple terms is claiming back money that you are entitled to, due to a leader (Morses Club Loans or Provident Finance Loans as an example) not making the necessary checks before they gave you a loan of the money.

Reclaims Online


Reclaiming Loan Interest Refunds

In simple terms, you are possibly able to claim back money that you may be owed, as a result of the leader not making the required checks prior to them having you the Loan.

Have you ever borrowed money from a Guarantor or Doorstep Lender including one of the following:

It is a lenders responsibility to make sure that people can afford the finance, and also not struggle to make the loan payments. If you have actually found yourself in this scenario, this is where we can assist. We can aid you to start a case and obtain a refund against your car loan, which was improperly loaned.

We recognise how much distress lenders can cause when they fall short to complete extensive affordability checks. They have a duty of care to check that individuals can pay for the monthly payments and also can pay back the loan in full. By not completing these checks properly, it can leave individuals battling to survive financially and unable to pay the loan payments. Regretfully, this situation is a very common for way too many people, we are specialists in loan cases and also getting you the compensation you deserve.

Does this situation sound familiar to you?

Many individuals do not become aware that they can claim a loan refund. Any individual can make a settlement case, especially if your lending provider did not make the required checks prior to they gave you the financing. It’s up to the loan provider to properly make sure that people can pay for the loan, as well as not struggle to make the loan repayments. If you have actually found yourself in this circumstance, this is where Reclaim Online can assist. Have you experienced any of the above situations? If so, you may have a case for a claim.

Unclear Loan Costs? When you obtained the loan, were the fees and associated fees totally clear to you? You should know what fees will certainly be charged prior to you take out the car loan.

Unpayable? –Were your regular monthly payments for the lending so large that you were incapable to pay for your crucial bills, as an example, your home loan, food bills? No financing must leave you unable to pay your necessary expenses.

Supported Borrowing?Did your lending institution motivate you to secure added loans, even though it was very clear that you could never afford to pay the very first lending back? A lender should never urge you to obtain even more if you can not afford it.

Rolling Over Finance Loans?– Did you need to secure an additional loan so you could pay the preliminary one back? Your loan provider must have examined that you might manage the very first financing and also the month-to-month settlements.

Automatic Payments?– Did your loan provider take automated repayments from your account, causing monetary troubles as well as leaving you unable to pay for crucial things? Your loan provider ought to be clear about when settlements will be taken and also exactly how.

Bigger Borrowing?– Did your lending institution entice you to obtain more than you prepared for with a deal that was tailored to you? Your loan provider should have checked out your financial scenario and also lent what you were asking for and what you can manage.

Correct information?When you got the lending, did you offer the appropriate details of your monetary circumstance consisting of various other debts. Your loan provider must have inspected that the financing was practical for you.

If any one of these situations sound familiar to you? this means that you may be eligible for compensation, as your lending provider has actually not accomplished the obligatory monetary checks appropriately. submit your claim today, we can assist you via our process, in getting you the payment you deserve, for a mis-sold funding.