Irresponsible Lending
We look for money you might have missed
Loan Issues
We identify signs of unaffordable lending or products that may not have been right for you.
Find out more
We look for unfair charges, hidden costs and financial products that may owe you money
Potential refunds identified...
We identify signs of unaffordable lending or products that may not have been right for you.
Find out more
We only get paid when you do.
There’s no upfront cost for making a complaint. Compensation is assessed on a case-by-case basis. You are only required to pay our legal fees after we successfully obtain compensation for you, the success fee is capped at a fixed percentage payable from your winnings via a Damages-Based Agreement (DBA).
If your bank charged you lots of overdraft fees, there’s a chance you could claim some of that money back due to overdraft mismanagement.
Some lenders gave loans people couldn’t really afford or added unfair charges.
We check if that happened to you.
Banks sometimes charge extra fees for missed payments, going over your limit, or using your account. We check if any of that money could be refunded.
A quick, secure check for hidden charges, unfair fees and money you may be owed.
Check what i'm owed →
Money Ambulance is a trading style of Justizia Ltd trading as Justizia Law, a firm authorised and regulated by the Solicitors Regulation Authority. Any legal services are provided by Justizia Ltd and any Damages-Based Agreement (DBA) is entered into with Justizia Ltd.
If your bank increased your overdraft limit beyond what you could afford, or if they failed to intervene when your account showed long-term signs of financial distress like constant unarranged borrowing. Click here to find out more
When lenders agree to loan you money, they first need to carry out reasonable and proportionate checks to ensure the you can afford the repayments. Providing loan, overdrafts and credit without adequately assessing if you are able to afford it is referred to as irresponsible lending. Click here to find out more
No. Making a complaint about your lender won’t hurt your credit score. Complaints and their outcomes aren’t shared with credit reference agencies. The only time your credit report could be affected is if you miss or delay payments while your complaint is being looked into.
You could be eligible to make an irresponsible lending complaint if you have ever had a loan, credit card or overdraft and any of the following apply:
Your lender didn't adequately check your financial situation
You had to borrow more to keep up with your debt repayments
You missed payments because you couldn’t afford them
You struggled with day to day living costs because of your debt repayments
It takes less than 2 hours to fully assess your online banking to identify potential lending/ overdraft claims
Not at all, you can pursue this claim yourself by complaining directly to your lender.
We use secure Open Banking technology to safely review your transaction data. We never see your banking password and you can disconnect access at any time
We work on a no win, no fee basis through a Damages-Based Agreement (DBA).
That means if we don’t help you recover money, you pay nothing.
You only pay if we successfully recover compensation or redress for you.
Our fee will be:
Up to 30% plus VAT of any compensation or redress recovered where your matter settles before court proceedings are issued; or
Up to 35% plus VAT of any compensation or redress recovered where your matter settles after court proceedings have been issued. Click here to find out more about our Fee's