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Irresponsible Lending Claim

Could You Have A Claim?

Was your car finance agreement affordable?

Please choose an option

I do not believe the lending was affordable

I believe the lending was affordable

What is irresponsible lending?

Heirloom Fair Legal is currently processing your motor finance claim to recover hidden commissions charged to you by the motor dealership and lender. However, if you believe you have also been irresponsibly lent to, meaning the lender did not properly assess your financial circumstances and provided a loan unsuitable for your income, this could significantly increase the overall value of your claim. In some cases, it may be possible to reclaim not only the commission but also the total value of the loan or the excessive interest charged, offering you a broader scope of compensation.

Please note that while the potential rewards may be significantly higher, processing this type of claim will require more active involvement on your part. We will need your assistance by answering a number of questions, supplying your bank statements from the period when you took out the finance, and providing further information as needed to support your claim.

Your claim will be handled on a no-win no-fee basis, but this is subject to your cooperation in providing the necessary evidence.

Please specify an answer

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Congratulations!

You Could Qualify For An Irresponsible Lending Claim

Start Your Claim Now

Do you want Heirloom Fair Legal to consider an irresponsible lending claim for you?

I am asking Heirloom Fair Legal to investigate whether my car finance agreement could give rise to an irresponsible lending claim. I will answer the following questions truthfully so that Heirloom Fair Legal can conduct a proper assessment and provide me with accurate advice. Any advice or proposed course of action from Heirloom Fair Legal will be based on the information I have supplied.

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Irresponsible Lending Claim

Could You Have A Claim?

Which agreement are you claiming for?

Please select the PCP Claim Reference Number of the claim you wish to pursue.

If the reference is not listed above, please enter the full Claim Reference number below.

Please specify an answer

The email we sent you will have a list of your claims and associated reference numbers. If you do not have this email to hand, you can retrieve this from your CLAIM portal. Please visit https://claimcms.com/claimant

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Your Personal Details

Please enter your details below.

We require some of your personal details

Title:

First Name:

Please specify an answer

Last Name:

Please specify an answer

Previous Name (If Applicable):

Please specify an answer

Email:

Please specify an answer

Date of Birth

Please select a date.

Was the finance taken out as a joint loan holder?

Are you subject to an IVA/Bankruptcy?

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Your Current Address

Please provide your address history.

We require some of your personal details

What is your current address?

Please enter a valid address

Is this the same address you resided at when you applied for the finance?

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Your Previous Address

Please provide your address history.

We require some of your personal details

What was the address your resided at when you took out the finance agreement?

Please enter a valid address

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Your Agreement Info

These quesitons relate specifically to the finace agreeement you beleive was Irresponsibly lent.

Answer to the best of your knowledge

Who was the lender?

If "other" please state (Optional)

Please specify an answer

If you know the agreement number or account number please enter it below

Please specify an answer

What type of loan was it?

What was the date you took out the finance? (Estimate)

Please select a date.

How much was the finance for?

Please specify in whole number only

What was the monthly repayment amount? (optional)

Please specify in whole number only

How much was the total repayment amount?

Please specify in whole number only

How many months was the loan for?

Months

Please specify in whole number only

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Agreement Info Continued

These quesitons relate specifically to the finace agreeement you beleive was Irresponsibly lent.

Answer to the best of your knowledge

Which Bank did you use to make the repayments?

What was the purpose of the loan?

What is the current status of the loan?

If ended, when was the last payment? (Estimate)

Please select a date.

How did you apply for the loan?

Did Someone Act As a Guarantor For The Finance?

Did you provide full and honest information?

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Agreement Info Continued

These quesitons relate specifically to the finace agreeement you beleive was Irresponsibly lent.

Answer to the best of your knowledge

Have you complained to lender previously?

If Yes, please upload a copy of your complaint letter/email and their response. (Optional)

Accepts png, jpeg, pdf

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Vulnerability & Suitability

These quesitons will help us to decide on how appropriate the lending was.

Answer to the best of your knowledge

What was your employment/income status at the time of taking the loan?

Did you experience financial difficulty repaying the loan?

What was your average monthly income at the time?

Please specify in whole number only

Please estimate your average monthly essential outgoings (e.g. rent, food, energy)

Please specify in whole number only

Did you take out multiple loans or top-ups from the same lender?

If Yes, please give more details. The total amount, frequency of top up loans.

Please specify an answer

Did you miss any payments or default on this loan?

Did you seek debt advice or enter DMP/IVA/Bankruptcy due to this loan?

Thank you!!

Our team will now review and investigate your irresponsible lending claim. We will be in touch with you in the next few weeks to advise on the next steps..

Our team will analyse your answers and come back to you if we have any questions.

Thank you for answering these questions but given your responses regarding affordability and suitability we do not consider that you would be able to pursue an irresponsible lending claim.

We will however, continue to process your Motor Finance Claim.

There is nothing else for you to do for now. We will be in touch once we have further information on your claim's progress.

Irresponsible Lending Claim

Could You Have A Claim?

Was your car finance agreement affordable?

What is irresponsible lending?

Irresponsible Lending Claim

Could You Have A Claim?

Was your car finance agreement suitable for your needs?

Irresponsible Lending Claim

Could You Have A Claim?

Was your car finance agreement suitable for your needs?

Congratulations!

You Could Qualify For An Irresponsible Lending Claim

Start Your Claim Now

Do you want Heirloom Fair Legal to consider an irresponsible lending claim for you?

Irresponsible Lending Claim

Could You Have A Claim?

Which agreement are you claiming for?

Your Personal Details

Please enter your details below.

Your Current Address

Please provide your address history.

Your Previous Address

Please provide your address history.

Your Agreement Info

These quesitons relate specifically to the finace agreeement you beleive was Irresponsibly lent.

Agreement Info Continued

These quesitons relate specifically to the finace agreeement you beleive was Irresponsibly lent.

Agreement Info Continued

These quesitons relate specifically to the finace agreeement you beleive was Irresponsibly lent.

Vulnerability & Suitability

These quesitons will help us to decide on how appropriate the lending was.

Vulnerability & Suitability Continued

These quesitons will help us to decide on how appropriate the lending was.

Thank you!!

Our team will now review and investigate your irresponsible lending claim. We will be in touch with you in the next few weeks to advise on the next steps..

Thank you!!

Our team will continue to process your PCP claim.

Thank you for answering these questions but given your responses regarding affordability and suitability we do not consider that you would be able to pursue an irresponsible lending claim.

We will however, continue to process your Motor Finance Claim.