You could be owed over £10,000* in Compensation
Successful affordability complaints can see all the interest and fees refunded
It’s quick, easy, and takes just 5 minutes
You could be owed over £10,000* in Compensation
Successful affordability complaints can see all the interest and fees refunded
It’s quick, easy, and takes just 5 minutes
Why You Could Be Owed Money
Uncover how a simple mistake by lenders could mean a five-figure refund.
All Interest & Fees Refunded
You could reclaim every penny of interest and fees you paid—often totalling thousands.
No Win, No Fee
You risk nothing. If we don’t win your claim, you pay £0.
Specialist Case Building
Our experts analyze your finances and build a bullet-proof complaint dossier.
Why Choose Chase Monro Claims?
Four reasons to trust us with your affordability claim.
Data-Backed Arguments
Advanced financial analysis that lenders and the Ombudsman can’t easily dismiss.
Fast Turnaround
From docs in to decision out—we streamline every step so most clients see an outcome in under 12 weeks.
End-to-End Support
We handle everything—from gathering documents to securing your refund, with zero stress.
Personal Case Management
Your dedicated Claims Manager guides you from start to finish, handling all calls, docs and follow-up.
What Counts as “Unaffordable”
A loan can be unaffordable in different ways—see if any of these applied to you at the time it was arranged.
Insufficient Disposable Income
After covering rent, bills and food, your remaining income wasn’t enough to meet repayments.
Financial Strain
You had to borrow more, go overdrawn or miss other bills just to keep up with this loan.
Pre-existing Commitments
Existing debts or life costs (e.g. childcare, rent) made the loan repayments impossible.
The Claims Process
This is an 8-12 month process
1. Gathering Your Documents
We’ll ask for key documents like your bank statements, credit report, and basic financial details from the time of the loan. These are essential for proving your case and showing that the loan was unaffordable.
2. Submitting the Complaint to the Lender
Once we’ve reviewed your documents and built a strong case, we’ll submit the complaint directly to the lender
.
They legally have up to 8 weeks to respond.
3. Escalation to the Financial Ombudsman
When the lender rejects the complaint or makes an offer that isn’t fair, we escalate it to the Financial Ombudsman Service (FOS) — the independent body that resolves these disputes.
4. Investigator Queries
Once an investigator picks up your case, they will send a request for futher information
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There are short deadlines on these requests so it's important you are ready and respnsive for this stage.
5. Provisional Decision
The investigator will issue a preliminary view (called a provisional decision) on whether they believe the complaint should be upheld.
It's quite
It's common for lenders to accpet these decisions and settle the claim here.
6. Final Ombudsman Decision (if needed)
If either side disagrees with the provisional outcome, the complaint is referred to a senior Ombudsman for a final, binding decision
This leads to a few more months of delay but it is the last step in the process — if your complaint is upheld, the lender must pay.
What Our Clients Are Saying
Chase monro have been so helpful and thorough throughout the whole process ! Tom smullen has been exceptionally hard working on my case keeping me very well informed and up to date across all aspects and stages of my issue. Can’t thank them enough for their dealing with this for me.
Joanne Mccabe
I’ve just received £3K. I wouldn’t have had this without their work. It did take its time but I'm happy with the outcome!
William Lane
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