Irresponsible Lending

Irresponsible Lending Explained

Irresponsible lending happens when a lender gives you a loan without making sure you can actually afford it. They're supposed to dig into things like your income, credit score, and existing debts. This problem hit its peak during the 2008 global economic crisis, but its effects are still lingering today, causing a lot of financial stress for UK borrowers.

We can find out if you've been given the green light for a loan or financial product when you shouldn't have been. If you’ve experienced this, we’ll fight to get you back the money you’re owed.

At Justizia Law, we can identify whether you've been incorrectly approved for a loan or financial product as long as it has been active in the last 6 years. If you’ve had any of the following, we’ll check them for potential credit breaches. 

Credit card or store card
Secured or unsecured loan
Car finance agreement
Payday Loan
Mortgage

How Does it Work?

If you've suffered financial consequences due to being incorrectly approved for one (or more) of the above, fill out our free credit breach health check today. Our quick and easy assessment will determine if you've fallen victim to irresponsible lending. 

Once you’ve completed our health check, we’ll assess whether you have fallen victim to any credit breaches. If you have, Justizia Law can act on your behalf and take court action against these lenders. If you choose our expert team of solicitors, we will work tirelessly to get you the justice you deserve and recover the money you are owed.  

At Justizia Law, we operate our irresponsible lending claims on a ‘No Win, No Fee’ basis via a Conditional Fee Agreement (CFA) or Damages Based Agreement (DBA). You are only required to pay our legal fees after we successfully obtain compensation for you, with the success fee capped at a fixed percentage payable from your winnings. There's no upfront cost from your pocket. Compensation is assessed on a case-by-case basis.

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