Check my rights · Money, credit & banking

Credit was unaffordable

Identify the lending pattern, the information available to the lender and the financial impact.

Guided checkYour answers stay on this page2 minutes

Related guided checks

Does another part of the problem overlap?

Use a connected checker when the same facts also involve a second issue.

Bank payment or scam disputeTake urgent protective steps, then identify whether the payment was unauthorised, induced by a scam or disputed for another reason.Chargeback rejected or not raisedClarify the transaction reason, card scheme route, timing and evidence the issuer considered.Credit-file default or arrears markerTest the reporting against the actual account chronology rather than focusing only on the credit score impact.

Where has it reached?

Move to the next stage without losing the original issue.

They have repliedTest the reason, refusal or explanation they gave you.It remains unresolvedStructure, audit or escalate the complaint.You need outside reviewFind the correct ombudsman, regulator, appeal or court route.