Were you mis-sold?
Credit Cards & Store Cards
Credit cards and store cards can be a convenient way to manage finances, but they are also common areas for mis-selling, leaving many customers at a disadvantage. Mis-selling may occur when cards are offered without proper affordability checks, leading to unmanageable debt, or when promotional offers are presented without clear information about high interest rates or fees that follow. Hidden charges, such as annual fees or over-limit penalties, may also go undisclosed, and customers can be sold cards with unsuitable features that do not align with their financial needs.
Cards That Are Unsuitable
Understanding these practices is essential to identifying and addressing potential mis-selling issues.
Failure to Assess Affordability: Credit cards or store cards may have been offered without evaluating the customer’s ability to repay, leading to unmanageable debt.
Misleading Promotional Offers: Customers might have been enticed by introductory offers, such as 0% interest, without being informed about high interest rates or fees after the promotion ends.
Lack of Transparency on Fees: Hidden charges, such as annual fees, late payment fees, or over-limit charges, may not have been clearly disclosed.
Inappropriate Card Recommendations: Customers could have been sold cards that did not suit their financial needs, such as cards with high-interest rates or unnecessary additional features.
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If you’ve experienced financial hardship due to unaffordable repayments, we’re here to support you in achieving financial fairness.
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Facing hardship?
If you’ve experienced financial hardship due to prioritizing card finance payments over other essential bills or obligations, your loan may not have been genuinely affordable or if your lender failed to conduct proper affordability checks or acted negligently you could reclaim what you’re owed—whether it’s a refund, compensation, or both.
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Irresponsible lending?
We assist individuals who: Purchased on card finance only to discover it was unaffordable. Found themselves juggling debt, household bills, and living expenses due to prioritizing loan payments. Were misled or poorly informed about the terms of their finance agreements.
Financial Claims Experts
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Experienced
Let us help you, we understand the emotional and financial toll that unaffordable store and credit cards can have. Our goal is to provide you with the support and solutions you need to regain control of your finances and reclaim what’s rightfully yours. Contact us today to find out how we can help you take the first step toward financial fairness.
Credit and store card mis-selling occurs when these products are offered without proper affordability checks, misleading promotional offers, or undisclosed fees, leaving customers at a disadvantage. Signs of mis-selling include high interest rates after promotional periods, hidden charges such as annual or penalty fees, or being sold a card without assessing your financial situation. If the card features or terms were unsuitable for your needs, you might have been mis-sold.
If you suspect mis-selling, start by gathering relevant documents, including your card agreement and statements, and raise a formal complaint with your card provider. If they fail to resolve the issue, you can escalate your case to the Financial Ombudsman Service. Mis-selling claims may be valid if key terms like fees and interest rates were not disclosed, or if you were pressured into accepting a card you could not afford. Seeking advice from financial experts can also help you navigate the claims process.
To avoid mis-selling in the future, take time to carefully review the terms and conditions before accepting a card. Ensure that promotional offers are clearly explained, including the interest rate and any conditions after the offer period ends. Always confirm that the card aligns with your financial needs, and ask questions about any unclear terms to avoid unexpected costs or unsuitable features.
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We ensure lenders are held accountable to the Financial Conduct Authority (FCA) and Financial Ombudsman Service (FOS) standards
Important Things You Should Know
QUESTIONS & ANSWERS
Mis-selling occurs when credit or store cards are sold without proper affordability checks, misleading promotional offers, undisclosed fees, or features unsuitable for the customer’s financial needs.
Common signs include high interest rates after a promotional period, undisclosed annual or penalty fees, or being offered a card without an assessment of your financial situation.
Evidence is essential to proving your claim and may include your car finance agreement, correspondence with the lender, proof of financial hardship, and records of your income and expenses at the time of the loan. This documentation helps demonstrate that the loan was unaffordable or mis-sold.
Additional evidence, such as credit card statements or proof of late bill payments, can highlight the financial strain caused by prioritizing loan repayments. Our team can guide you through the process of gathering and organizing this information to strengthen your case.
Yes, if you believe the card was mis-sold to you, you can file a complaint with the provider or escalate it to the Financial Ombudsman Service if the issue is unresolved.
You may have been mis-sold if you were not informed about key terms like interest rates or fees, encouraged to take a card you couldn’t afford, or sold a card with features you didn’t need or use.
The Financial Conduct Authority (FCA) regulates lenders and sets strict guidelines to ensure loans are affordable and fair. The Financial Ombudsman Service (FOS) steps in to mediate disputes between consumers and lenders, providing a neutral judgment if you believe you were wronged.
These organizations are key to holding lenders accountable. If a lender fails to meet FCA regulations or rejects a valid claim, the FOS can review the case and enforce corrective actions, such as compensation or refunds.
The time frame for resolving a claim can vary depending on the complexity of your case and the lender’s response. Some claims may be settled within a few weeks, while others might take several months, particularly if referred to the Financial Ombudsman Service (FOS).
Our team works diligently to ensure your claim progresses as quickly as possible. We provide regular updates throughout the process, so you’re always informed about the status of your case.
Gather all relevant documentation, such as your card agreement and statements, and contact your card provider to raise a formal complaint. You can also seek advice from financial experts.
Ask Us Anything, Anytime.
If you suspect you were impacted by discretionary commission practices or believe your car finance agreement was unfair, reach out to us for assistance. Whether you're uncertain about the details of your agreement or need guidance on your next steps, our team is here to help clarify your options and assess whether you have a valid claim. Contact us via phone, email, or by filling out our online enquiry form. Provide as much information as possible about your car finance agreement, including the lender's name, the loan start date, and any concerns you have. Even if you’re unsure about your eligibility, it’s worth exploring—you could be entitled to a refund, compensation, or more.