How long does a unaffordable lending claims claim take?

Most claims run for several weeks to a few months depending on complexity and supporting evidence.

Do I pay anything upfront?

No. Ingram Toft works on a no-win, no-fee basis for eligible claims.

What documents help my claim?

Agreements, statements, emails, and any evidence of what you were told at the time can strengthen your case.

Can I still claim if I do not have all paperwork?

Yes. Submit what you have and our team can often obtain additional records during investigation.

Unaffordable Lending Claims

Eligibility

Your Details

Claim Info

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🔍 Quick Eligibility Check

Tell us about your loan

Which bank / lender? *

Type of credit *

Loan / Credit amount (£) *

When was the loan taken out?

Which of these apply to you?

Select all that apply:

They didn't properly check my income and outgoings

The repayments were more than I could realistically afford

I fell into arrears / missed payments

I was already in debt or had debt advice at the time

👤 Your Personal Details

We need these to register your claim securely

First Name

Last Name

Email Address *

Phone Number *

Date of Birth

Start typing your address or postcode

📋 Lending Details

Tell us a little more to strengthen your claim

Additional Information

How did you find out you may have a claim?

Upload Supporting Documents (optional) Accepted: PDF, images, DOC/DOCX. Max 10MB per file.

Estimated Claim Value

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✍️ Letter of Authority

Sign below to authorise us to handle your claim

📋 What you're signing

This Letter of Authority gives Ingram Toft permission to investigate and pursue your claim on your behalf. You can withdraw this authority at any time during the 14-day cooling-off period.

Your Signature

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I agree to the Terms & Conditions and Privacy Policy. I consent to Ingram Toft contacting me and processing my personal data. *

Before proceeding, please read the following carefully.

You have the right to raise your complaint directly with the financial firm or lender concerned, and/or refer it directly to the Financial Ombudsman Service (FOS), free of charge, without using a third-party representative.

You are under no obligation to use Ingram Toft. By continuing, you confirm you have chosen to instruct Ingram Toft to act as your authorised representative, understanding that this is a paid service and fees will apply as set out in the terms of engagement.

Please select your reason(s) for choosing this service:

I prefer professional representation and guidance.

I do not have time or confidence to handle the complaint myself.

I have used Ingram Toft before and trust their service.

I consent to receiving marketing communications about other claim opportunities (optional)

✅ Review & Submit

Please check your details before submitting

👤 Personal Details

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Estimated Claim Value

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Claim Submitted!

Thank you! Your claim has been registered. A member of our team will contact you within 1 working day.

Your Claim Reference

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💸 Unaffordable Lending Claims