Refunds for Loans, Line of Credit, Car Finance, Credit Cards, Guarantor Loans, Store Cards, Doorstep Lenders 

Every Claim is handled by a dedicated Claims Handler with over 8 years of experience in Consumer Finance. You will deal with the same person throughout your claim and they will ensure you get the best possible service.

You do not need to use a Claims Management Company, but if you do want to, we are here to help. If your complaint is rejected you can refer it to the Financial Ombudsman Service for free. We operate on a No win No Fee basis, you only need to pay us if you are sent a cash refund. 

Start your claim

So Why Redbridge?

Very personal service, quick response, no call centre, just a small dedicated team. We offer really fair pricing with VAT included in our price, we only charge if you are actually sent cash (for example a £5,000 reduction in balance would mean you owe us nothing!), we will not cave in, or give up when dealing with a difficult or aggressive lender. If the case is rejected we will take it to the FOS for you, all part of the service.

Did you know......

You do not need to use a Claims Management Company. You can make the claim directly to the lender and if they reject your complaint you can take it to the Financial Ombudsman Service free of charge, but you must do this within 6 months of the lenders Final Decision letter.

Do you need help with any of these:

Guarantor Loans, Car Finance, Credit Cards, Instalment Loans, Line of Credit (Safety Net Credit type), Door Step Loans.

If you feel that any lender lent to you, when they should have seen that you could not afford the repayments, then we may be able to help you get a refund.

Example Lenders

(we can help with most other lenders as well)

Safety Net Credit Refunds

We know how to get Safety Net Credit to accept complaints quickly and efficiently. However, Safety Net Credit will often go behind our backs and make small offers directly to customers in the hope they can avoid fully paying out. We feel that this is pretty insulting on the customer as it implies that Safety Net Credit think the customer can be easily bought off. We always ask customers, when we make a Safety Net Credit Refund Complaint, not to accept these small offers as we feel they are designed to kill off the complaint quickly and cheaply.

Our average win is £1,185 for Safety Net

118 118 Money Refunds

Our average refund from 118 118 Money is £2,871.

118 118 Money offers loans of between £1,000 and £3,000 at an interest rate of 49.9% Representative. The also now offer credit cards to the same sub prime group at an interest rate of 34.0% pa. 118 118 Money upheld 43.46% of complaints made between July and December 2020.

UK Credit Refunds

Making UK Credit Refund Complaints is no different to most other lenders. The challenge with UK Credit is that they like to sending information in the post which can become frustrating. When they do send information by email, they like to encrypt the data (which is good), but they like to embed files in Excel which can be difficult to open. 

UK Credit Refunds are very similar to other Guarantor lenders, such as Amigo Loans. They seem to offer almost exactly the same amounts of money and they charge the same high interest rate. Our average refund for UK Credit claims is £3,295

Morses Club Refunds

Our average refund from Morses Club is £1,914. 

Morses Club try and make the complaints process harder than it need me. They often will only post passwords for encrypted files and will often reject complaints, meaning we have to take them to the Financial Ombudsman Service and ask them to investigate. This makes the process very drawn out, but the results are worth the effort.

Lending Stream Refunds

Lending Stream try to block complaints by refusing to answer any emails and will not even acknowledge complaints submitted by email. 

When making a Lending Stream Refund Complaint we have a system that allows us to get around Lending Stream unwillingness to communicate in a responsible manner. This allows us to get fair and meaningful payouts for our customers from Lending Stream.

The process takes longer with Lending Stream than many lenders, but the end results from Lending Stream refund complaints tends to get great payouts for the customer with our average refund for them being £1,909.

Mobile Money Refunds

Mobile Money have been in business for many years and focus on sub prime lending. The interest rates charged by Mobile Money are very high (in our opinion) and appear to vary between 49.9% to 499.9%. Considering they have your car as act as a guarantor of the loan, that seems a lot of interest to charge.

We are starting to get good results with this car finance lender. The average offer is £3,979.35.

AvantCredit Refunds

Our average refund from Avant Credit is £4,924.

AvantCredit have lent to more than 80,000 people and have lent a total of £250 million. That tells us that the average loan size is £3,125. They charge 42.5% interest representative, which does make them cheaper than some of their competitors, but still in the mid price range. 

AvantCredit is not accepting any new loans. AvantCredit complaints had 1,545 complaints in 2020 and upheld 32.7% of those complaints.

George Banco

Our average refund is £1,974 from George Banco.

George Banco refunds are quite straight forward. We need to firstly check to see if the loans was really irresponsibly lent and we do this by seeing the statements from George Banco and or a full copy of your credit report. As long as we can show the loans were unaffordable we can make a George Banco refund complaint.

George Banco charge 79.9% APR for the Personal Loans they offer and are between £1,000 to £5,000. They also offer Guarantor Loans for £1,000 to £15,000 and charge 49.7% APR.

Buddy Loans Refunds

Our average refund from a Buddy Loans complaint is £1,491.

Buddy Loans is a Guarantor Loans company and offer loans of between £1,000 and £10,000. They charge a representative 49.9% and loans can be over 60 months (5 years). As with all other lenders in order for us to make a Buddy Loans Refund Complaint we need to see that the lending was irresponsible and unfair. We do this by studying your borrowings either via your credit report or statements supplied by Buddy Loans.

Provident Refunds

Provident are trying to enter a Scheme of Arrangement the same as Amigo. This is making it a lot harder to get an outcome, but we are still trying.

Our average refund for a Provident complaint is £3,133

GuarantorMyLoan Refunds

Guarantor My Loan are another guarantor lender, this time charging 48.9% APR. This makes them slightly better value that Amigo Loans, but still very expensive. With Guarantor My Loan you can borrow between £1,000 and £10,000 over 12 to 60 months.

When we make a Guarantor My Loan refund claim we have to be very careful as they will sometimes make a small offer to the customer and try and get the customer to accept without us knowing. The offer is always a lot less than we would hope to be able to get either as a result of the Guarantor My Loan Refund Complaint or when we take the case to the FOS.

Amigo Loan Refunds

Amigo Loans are trying limit their exposure on Amigo Loan refund complaints. They are intending on entering something called a Scheme of Arrangement. If this happens all payouts will be reduced dramatically. In the interim Amigo Loans are not issuing any offers, but they are still investigating complaints. 

We are happy to continue to take on any new complaints, but you can complain directly as we are unable to offer much added value now.

More information can be found by following this link:

Our average refund for Amigo Loans complaints is £4,435!