We’re here to help

Get back what you are rightfully owed

How it Works

We’re with you every step of the way - from investigating your case to contacting the lender, and the ombudsman if needed.

Step 1: The investigation

Our team will review your situation to see if you were given unaffordable credit linked to gambling.

We combine expert insight with smart AI tools to spot key patterns in your statements — helping you build a strong case, fast.

Step 2: The lender

FairReclaim provides expertly-crafted templates proven to get results. Allowing you to you to prepare a personalised, evidence - based report tailored to your situation.

You then submit this directly to the lender, challenging their lending decisions and requesting a formal response.

Step 3: The Financial Ombudsman

If the lender refuses to refund you, FairReclaim supports you escalating your case to the Financial Ombudsman Service (FOS).

Our mission is to help you get a fair outcome from lenders and financial companies who got it wrong.

Your refund - what to expect?

  • If your complaint is upheld, the standard compensation is a refund of all interest and charges added to your lending.

    • First, any refund is used to reduce any outstanding balance you still owe.

    • If there's anything left after that, it’s paid directly back into your account.

    We’ll be at you side throughout the process in dealing with the lender and Ombudsman - making it as easy for you as possible.

Don’t miss out on what you’re owed!

FAQs

  • Our services are 100% free.

  • If we’re able to settle your case with your bank we could get your money back within 15 days.

    If the bank refuses to refund you, we’ll need to take your complaint to FOS. Once it’s with FOS, timelines can vary widely. It can take anywhere between a few weeks to a couple of years.

  • This can depend on whether you’ve complained to your bank already, or if your bank agrees to refund all the money you lost without needing to go to FOS. (Your case will be resolved much quicker if we don’t need to involve FOS).

  • If your complaint is upheld, the standard compensation is a refund of all interest and charges added to your lending.

    • First, any refund is used to reduce any outstanding balance you still owe.

    • If there's anything left after that, it’s paid directly back into your account.