No. You don’t have to use a law firm or claims company. You can complain directly to your lender for free, and the FCA’s compensation scheme is free to use.
If your lender thinks you’re owed money, they should contact you by the end of 2026 for agreements taken out from April 2014, or by the end of February 2027 for older agreements. If they don’t contact you, you can still complain yourself until 31 August 2027. If you’re unhappy with your lender’s response, you can take your case to the Financial Ombudsman Service for free.
We’re here if you’d rather have experts handle the process for you, but the choice is always yours.
