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.

  • Craft 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

1. Understand your lending – Learn how to spot signs of irresponsible or unaffordable credit.

2. Create your complaint – Use our example templates or try our easy letter generator to draft your own claim.

3. Escalate if needed – Find out how to take your complaint to the Financial Ombudsman Service.

❤️ 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