Finding out if you could be owed money is simple.

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 loans, 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 about irresponsible lending



1. Connect your bank securely

Using Open Banking, you safely connect your bank account so we can review your transactions.

This is protected with bank-level security, and we never see your banking password.

2. We check your accounts

Our system scans your transactions for things like:

  • Unfair fees
  • Hidden charges
  • Lending that may not have been right for you
  • Other signs you could be owed money back

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.

3. We let you know if we find something

If we spot a potential claim, we’ll contact you and explain what we’ve found in simple terms

No confusing jargon. No pressure.

4. We handle the hard work

If you choose to go ahead, we’ll deal with the banks, lenders, and financial companies for you.

We can also help take complaints to the Financial Ombudsman if needed.

You won’t need to chase anyone yourself.

5. You only pay if you win

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.

6. You can choose to purse yourself

You are not required to use a Money Ambulance to make a claim, you can contact the lender for free and make a complaint or contact the Financial Ombudsmans