Join the thousands of people in the UK who have already successfully claimed. Our service is simple and straightforward.

Customers who borrowed money from Lenders like Lending Stream, Amigo, Bamboo, Everyday Loans and others could be due a refund. You are 2 minutes away from a potential cash refund and repaired credit score. No phone call required – and no fee to pay if we don’t win you a cash refund. Eligible to claim? Select a lender to continue.

Short Term Loans

High interest Loan


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REALLY IMPORTANT: Previous Addresses

40% of claims get rejected due to previous addresses not being provided. Increase your chances of a successful claim by providing all your previous addresses.

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Safe, Secure and Confidential. No obligation check, with 100% no win no fee. Call 03300 165808 with any questions. * If you are currently in an IVA we will not progress your claim as this would be a conflict of interest with your IVA provider

*You are not required to use the service of a Claims Management Company to pursue your claim and can present a claim for free to lenders against who you wish to claim or to the Financial Ombudsman Service

Three Reasons To Claim Now


Interest Refund

You may be due a refund of interest charged by your lender on the loans they mis-sold


Didn't Repay?

Even if you have an outstanding balance you may still be able to get money back


Claims Specialists

We have 1000s of successful claims behind us, you’re in safe hands with a friendly, expert team here to help

We act on your behalf to ensure the amount due to you is refunded.

Guaranteed No Win No Fee

Friendly staff to support your claim

Regular updates throughout the process

Hassle free process – We do all the hard work for you

Can I Make a Claim?

Many short term loan providers did not follow the necessary checks required for affordability, meaning some clients built up vast amounts of unmanageable debt causing huge stress and personal issues.

Guarantor loans are open to financial abuse, where the guarantor may be pressured into agreeing to the loan, often without full knowledge of the borrower’s circumstances.

Large, high cost loans can also have very high repayments . Before providing you with loans the provider should check that you can afford repayments when you applied. With these loans being for larger amounts over longer periods of time, lenders have a responsibility to ensuring these checks are thorough.

There are numerous aspects to claim eligibility including:

  • Proper checks not being made on your financial position (this can relate to both borrower and guarantor)
  • You being given a product that was simply not affordable
  • You needed to borrow multiple times (“top up” or “rolled over” loans) to meet your commitments
  • The borrowing forming a significant part of your income and impacting your ability to maintain payments on other priority items e.g. rent or mortgage, utility bills (water, gas, electricity) or just day to day living expenses
  • You needing to borrow from elsewhere (other lenders, family members) to cover repayments to these loans
  • Guarantors not being aware of the borrower’s financial position


Frequently Asked Questions

Yes – if your claim is unsuccessful we don’t charge a fee regardless of the work undertaken up to that point
Our fees are in line with those prescribed by the Financial Conduct Authority according to the value of the claim. We charge the lower of i) the percentage allowed as determined by the value of the refund or ii) a set amount. For example, if you receive a refund of £9500 your fee would be the lower of i) 28% of the claim (£2660plus VAT) or ii) £2500 plus VAT.
You complete a simple online questionnaire following which we assess if we feel you were mis-sold. If we feel that you were, we then begin the process of recovering any money due to you. We do this for all you have indicated you have borrowed from – whether that’s 1 or 10.
Lenders have up to 8 weeks to provide a final response to a complaint. In some instances, we will first need to obtain loan information from the lender which means we allow around 12 weeks for the full process. If we receive an offer, we will assess this for you and you then decide if you want to accept or not. If it is a rejection, we will advise if there is a case for us to escalate further by taking the case to the FOS for their review.
In most cases just the account number but in the event a lender cannot locate one of your accounts, if you have any other supporting paperwork, such as previous statements, this may help your claim.
After a number of weeks we will be notified of an outcome. In simple terms they will either uphold your claim or reject it. The whole process can take a number of weeks. Whilst we are very quick at turning around information, responses can be slow and they do take as much time as required to determine the merits of your claim. If a case goes to the FOS, it can be with them for many months, so patience is definitely needed.
Impakt Claims are one of the first fully authorised and regulated Claims Management Companies within the UK. We are regulated by the Financial Conduct Authority, (FRN 836692). Data Protection Registration number ZA477153.
You can contact us by e-mail claims@impaktclaims.co.uk
Yes. You do not have to use our services or the services of any claims management company and can claim directly yourself free of charge without incurring a fee. You can do this either to the company against whom you wish to complain or to the relevant statutory ombudsman or the statutory compensation scheme. More information can be found on the Financial Ombudsman Service website: financial-ombudsman.org.uk
If your claim is successful and you were mis-sold, the lender may remove any negative listings that had been made to your credit file.