We handle the proof. You handle the payout
If your bank’s handling of your overdraft means you’re owed money, we’ll uncover it and back it with evidence.
Our clever tech does the heavy lifting, so you can see how much you could be owed before deciding what to do next.
We look at your financial history to find signs that you could be owed money - things most people wouldn’t be able to spot on their own.
There’s no paperwork to chase and nothing complicated to prove. We gather the evidence for you and make the process simple.
Before getting started, people often want to know two key things - what this means for their overdraft, and what it’s going to cost. Here’s how both work.
Will this affect my overdraft?
If you make a complaint and your bank agrees your overdraft was mismanaged, then yes - your overdraft should be reduced or removed alongside any refund you receive. But that doesn’t really tell the whole story.
We’d agree - making a complaint without knowing whether you’re likely to win, or whether the refund would meaningfully reduce your overdraft, would feel like a big step. With our service, though, you don’t have to decide in the dark.
Are you owed more than you think?
Overdraft charges are easy to miss. They’re spread across years and mixed in with everyday transactions.
Here's where we're a bit different - You can find out how much you’re likely to be refunded first, before deciding whether to complain.
If you do go ahead and a complaint is successful, your bank should give you notice and time to plan before making any changes to your overdraft.
Your credit score isn't negatively affected
It would only change if you missed payments. In some cases, it can even improve if your bank corrects past information.
What is this going to cost?
Finding out where you stand costs nothing.
There are no fees to:
- Check whether you have a valid complaint
- Get a personalised estimate of how much you could be owed
- Send a complaint, if you decide to go ahead
We only take a fee if your complaint is successful, and it comes directly from any offer your bank makes.
The personalised estimate we show you already takes our fee into account, so you can see what you would actually receive and decide whether complaining makes financial sense for you.
How fees work
We've explained this in plain English here Let’s Talk Figures, and you’ll have time to read through it properly before deciding whether to send a complaint.
