No Win No Fee

Mis-Sold Secured
Loan Claims

Homeowner secured (second charge) loans should only ever be recommended when they're affordable and suitable. If you were pushed into a loan you couldn't afford, weren't told about the risks, or received poor advice — you could be entitled to a refund plus interest.

No Win No Fee guarantee
Claims for loans taken out in the last 6 years+
2 minute eligibility check
You can claim even if the loan is already repaid
Check My Eligibility [0800 XXX XXXX]
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No Win No Fee · Free Check

Check Your Eligibility

Takes 2 minutes. No obligation.

1 Loan
2 Details
3 Submit
Tell us about your secured loan
Your contact details
Final confirmation

By clicking ‘Submit’, you agree to our Privacy Policy.

Secure and confidential.

Claim Submitted!

A secured loan specialist will contact you within 2 working hours.

Reference: CP-SL-XXXXX
What We Cover

Reasons Your Secured Loan Could Be a Claim

Lenders and brokers have a legal duty to assess affordability and give suitable advice before securing a loan against your home. If they didn't, you may have a valid claim.

Unaffordable Lending

Lenders must carry out proper checks to confirm you could realistically afford the repayments before approving a loan secured against your home.

  • Insufficient income & expenditure checks
  • Loan approved despite existing debt problems
  • No stress-testing for rate changes
  • Repayments left you in financial hardship

Poor or Missing Advice

Brokers are required to explain the risks of securing a loan against your home and to recommend only suitable products.

  • Risks to your home not explained
  • Cheaper alternatives not considered
  • Loan term or type unsuitable for your needs
  • No proper record of advice given

Debt Consolidation Loans

Loans taken out to pay off existing debts can sometimes leave borrowers worse off — especially when unsecured debt is converted into debt secured against the home.

  • Unsecured debt turned into secured debt
  • Total cost of borrowing increased significantly
  • Repeated refinancing / repeat lending
  • No genuine benefit to the borrower

Excessive Fees & Interest

Broker fees, high interest rates and early repayment charges should always be disclosed clearly before you commit to a loan.

  • Broker/arrangement fees not disclosed
  • High interest rates vs. market alternatives
  • Hidden early repayment charges
  • Commission not declared

Pressure Selling

You should always be given enough time and information to properly consider a decision that puts your home at risk.

  • Rushed into signing without time to reflect
  • Cold-called or unsolicited approach
  • Told it was your "only option"
  • Cooling-off period not honoured

Vulnerable Customer Failures

Lenders and brokers must take extra care when dealing with customers in vulnerable circumstances, including financial or health difficulties.

  • Circumstances not properly considered
  • No additional support offered
  • Loan recommended despite red flags
  • Language or communication barriers ignored
Your Refund

What Your
Claim Could Include

Every case is different, so we won't promise a figure before we've reviewed the details. Redress for a mis-sold secured loan can be made up of several different elements.

Our specialist partners will assess your loan documents and correspondence to build the strongest possible case, using the same methodology the Financial Ombudsman Service applies when calculating redress.

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Possible Element of Your Claim
Refund of broker / arrangement fees
Refund of excess interest charged
Refund of early repayment charges, where unfair
8% statutory interest on any refund due
Compensation for distress & inconvenience
Illustrative only — the actual redress you may be entitled to depends entirely on the facts of your case.
Your Journey

The Claims Process in 3 Simple Steps

01

Select

Tell us which lender or broker you believe mis-sold you a secured loan.

02

Check

We check the circumstances of your loan to confirm whether you have a valid claim — free of charge.

03

Confirm

We build your case, manage it through to completion, and keep you updated at every stage.

No Win No Fee · Free Check

Start Your Secured Loan Claim

Takes 2 minutes. A specialist will contact you within 2 working hours.

1 Loan Details
2 Your Details
3 Submit
Tell us about your secured loan
Your contact details
Final confirmation
ClaimPals is a trading name of The Claims Experts Ltd, authorised and regulated by the Financial Conduct Authority as a Claims Management Company (FRN 836692). We do not provide legal advice. Success fees of between 18% and 36% (including VAT) apply where a cash refund is obtained. You may cancel within the 14-day cooling-off period; after that, a success fee will still apply to any cash refund resulting from a claim already submitted.

By clicking ‘Submit’, you agree to our Privacy Policy.

Secure and confidential.

Claim Submitted!

A secured loan specialist will contact you within 2 working hours to discuss your case.

Reference: CP-SL-XXXXX
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Don't Wait — Time Limits Apply

Claims typically need to relate to a loan taken out within the last 6 years, or from when you first became aware of a problem. Don't delay checking your eligibility.

What You'll Need
  • The name of the lender or broker
  • Roughly when the loan was taken out
  • Any loan paperwork you still have (helpful, not essential)
  • A brief description of what happened
"[Placeholder — replace with a genuine client quote once you have real reviews to draw from.]"
?
[Name] Secured Loan Claim — £[amount]
Your Questions Answered

Secured Loan Claims FAQ

Simply complete our online claims form. One of our specialists will review the details and let you know whether you have a valid claim — free of charge and with no obligation.

Yes. You only pay a success fee if your claim results in redress being recovered, and there is a 14-day cooling-off period after signing your agreement during which you can cancel at no cost.

No. In almost all cases we handle everything directly with the lender and, where necessary, the Financial Ombudsman Service — you won't need to attend court.

Typically you can claim for loans taken out in the last 6 years, though this can sometimes extend further depending on when you became aware of the issue. We'll confirm this during your free eligibility check.

No — you can still claim even if you've already fully repaid the loan, or if you had to take out further borrowing to repay the original loan.

Ready to Check Your Eligibility?

Takes 2 minutes. No commitment. No upfront costs.

Check My Eligibility Call [0800 XXX XXXX]
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