Can I still claim if the lender or the scammer has stopped trading?
In most cases, yes, though the route changes. Where a lender is insolvent we usually pursue its insurer, its administrators, or the statutory compensation scheme that covers the product. Where fraud is involved we can often trace funds to the receiving accounts and seek recovery from the banks or payment processors that handled them. Either way we will set out the realistic options before you commit to anything.
How long does a typical claim take?
Straightforward finance claims are often resolved in four to seven months. Cases that go to the financial adjudicator or into proceedings usually run longer, and we will give you a realistic range once we have seen the paperwork rather than an optimistic one at the outset.
What will it cost me?
Nothing up front and nothing if the claim does not succeed. Our fee is a percentage of what we recover, capped and written into the agreement you sign before any work starts, so you always know the worst case.
What evidence do I need to start?
Whatever you still have: statements, agreements, emails, message threads, screenshots of listings or profiles. Gaps are normal — we can request records from banks and lenders directly, and a missing document rarely stops a claim from getting off the ground.
Will a claim affect my credit score or my bank accounts?
Our initial check is a soft search, which is visible only to you and leaves no mark on your file. Bringing a claim against a lender does not in itself damage your credit standing, and we will flag anything unusual about your circumstances before we proceed.