Start a Complaint

We’ve created an easy-to-use tool to help you generate a strong complaint letter if you think you've been given credit you couldn’t afford. This letter can be sent directly to your lender - and if needed, escalated to the Financial Ombudsman Service.

Here’s how to use it:

Enter your details – Name, address, lender name, and loan information.
Select the reasons why you believe the lending was irresponsible.
(Optional) Include gambling-related harm if it applies to your situation.
Click “Generate Letter” – your personalised complaint letter will appear below.
Click “Copy to Clipboard” to copy the letter so you can paste it into an email or the lender’s complaints form.

⚠️ If the lender doesn’t respond within 8 weeks or rejects your complaint unfairly, you can escalate it to the Financial Ombudsman Service - for free.

Complaint Letter Generator

✩ Your Details

Full Name:

Address:

Email:

Phone Number:

Lender Name:

💼 Loan Details

Loan/Account Number:

Date Taken:

Amount Borrowed:

Monthly Repayment:

✅ Reasons I Believe the Lending Was Irresponsible:

I was given multiple loans in a short space of time.

The repayments were a large portion of my income.

I was already in financial difficulty when you lent to me.

I had significant gambling transactions visible in my bank statements.

You increased my credit limits despite clear signs of financial strain.

I was using one loan to repay another.

My credit file showed defaults or missed payments with other lenders.

I had persistent overdraft use or other debt issues.

Include Gambling-Related Harm Section

📄 Generated Complaint Letter

❓ FREQUENTLY ASKED QUESTIONS

What is irresponsible lending?

When a lender gives credit without properly checking whether you can afford to repay it — particularly if you were already struggling financially.

Can I still complain if I used the money to gamble?

Yes. Lenders are required to lend responsibly regardless of how the funds are used — especially when gambling harm is visible in bank statements.

What can I get back?

If your complaint is upheld, typical compensation includes a refund of interest, a credit file correction, and statutory interest.

What if the lender rejects my complaint?

You can escalate it to the Financial Ombudsman Service for free. You’ll need to wait 8 weeks or get a final response letter before escalating.