Helping You Challenge Irresponsible Lending

We provide a free service to help you prepare complaints to your lender and the Financial Ombudsman.

💡 What We Do

Support for complaints involving gambling and credit

Assisting individuals who were offered credit they could not afford - particularly where lenders failed to identify signs of problem gambling.

Our service provides step-by-step guidance to:

Understand your rights.
Generate strong complaint letters using our professionally designed templates created in partnership with responsible lenders.
Escalate to the Ombudsman if needed.

📌 All templates and support are free, all we ask in return is that you complete a short questionaiire.

🚩 Signs of Irresponsible Lending

Lenders are required by the Financial Conduct Authority (FCA) to assess whether a customer can afford credit without financial harm. This is known as an affordability assessment.

Signs that a loan or credit product may have been unaffordable include:

Borrowing to cover essential expenses.
Persistent use of overdrafts or credit cards.
Repeated applications for credit.
Evidence of gambling affecting financial stability.

When these signs are visible – particularly in bank statements – responsible lenders should investigate further before approving or increasing credit.

📋 The Ombudsman’s View

The Financial Ombudsman has supported many cases like yours. Key points from past decisions:

Lenders are expected to review full financial data – including bank and credit card statements.
Regular or high gambling spend should trigger further checks.
Customers are not required to disclose gambling; lenders must identify risks from available data.
Repeat lending or increasing limits without reassessment is a concern.

These principles apply to payday lenders, credit card providers, and high-street banks alike.

💷 What You Could Get Back

If your complaint is upheld by the lender or the Financial Ombudsman, outcomes typically include:

A refund of interest and charges.
Reduction of outstanding balances.
Correction of your credit file (e.g. removing defaults).
In rare cases, a full write-off of remaining debt.

🙋 Who This Is For

This service can help if:

You were given credit while gambling.
The lending worsened your finances.
The lender didn’t do proper checks.
You want to complain for free.

Still gambling? You can still complain – but we recommend getting support first.

⚙️ How It Works

Tell us about your lending – We guide you through key info.
Generate complaint letters –Tailored to your case, using expert-crafted templates proven to get results.
Escalate with support – If needed, we help with the Ombudsman process.

❤️ Need Help with Gambling or Debt?

You're not alone — and you don’t have to face this on your own. There are free, confidential services that can support you with gambling, debt, and emotional wellbeing.

🧠 Gambling Support

💸 Debt and Money Advice