LarkspurLaw Begin your claim
Consumer legal services

Standing up for fair outcomes one case at a time

If you were sold the wrong finance agreement or lost money to a scam, you don't have to untangle it alone. We investigate what happened, hold the responsible party to account and pursue compensation on a no win, no fee basis — so you can recover your money and your peace of mind.

A woman at a kitchen table reviewing a finance agreement beside a laptop — photo by Mikhail Nilov on Pexels
Two people at a table reviewing and signing a claim form — photo by Kampus Production on Pexels
1. Free case review

A free review, with no obligation

Tell us what happened and share any paperwork or screenshots you still have. We'll tell you honestly whether there is a claim worth running. If you decide to instruct us, you get a plain no win, no fee agreement and one named solicitor who stays with the case throughout.

Annotated case papers spread across a wooden meeting table — photo by cottonbro studio on Pexels
2. Building the file

Every detail handled for you

We gather the missing evidence, put the lender or the fraudster on notice and, where it is needed, file a complaint with the financial adjudicator or issue proceedings. From the first letter to the final payment, correspondence and paperwork sit with us, not with you.

A solicitor taking notes during a call with a client — photo by Yan Krukau on Pexels
3. Case updates

Plain-English progress, always

You receive written updates at agreed intervals and direct access to your solicitor between them. Because we are paid only when you win, every decision we take is weighed against what it adds to your settlement and what it costs to get there.

A handshake across a desk after a settlement is agreed — photo by Ron Lach on Pexels
4. Resolution

A settlement without the stress

Our knowledge of consumer protection law and of how fraud patterns evolve lets us argue points that others overlook, negotiate firmly and hold out for the right number. If the matter reaches court, we handle advocacy and witness preparation so the process stays off your desk.

No win, no fee, no surprises

When money has already gone missing, the last thing you need is another invoice. Our fee only becomes payable out of a successful outcome, agreed and written down before we start.

Specialist solicitors, not generalists

Consumer finance and fraud disputes are technical and they move quickly. Your file is overseen by a solicitor whose practice is built on these two areas of law and nothing else.

One named contact, start to finish

You keep a direct line to the person running your case. You make the decisions that matter and we take care of the detail that keeps the claim moving forward.

Claims we handle across finance and fraud

A closer look at the disputes we run most often, and what usually counts as evidence when a claim like yours is put together.

Investment fraud

Unregulated schemes, crypto and forex trading floors, invented returns, or investments sold under pressure.

Mis-sold policies & add-ons

Cover that never fitted your circumstances, exclusions buried in the schedule, inflated premiums or advice that was never given.

Purchase fraud

Sellers who vanish, goods that never arrive, counterfeit items, or listings and payment pages built to look legitimate.

Romance fraud

Relationships built online over weeks or months, then used to request money, gifts or access to your accounts.

Impersonation & “safe account” scams

Calls or messages that appear to come from your bank, urging you to move money to an account said to be safe.

Irresponsible lending

Credit granted without proper affordability checks, undisclosed fees, rolled-over borrowing and breaches of the consumer credit rules.

What clients say

Hear from the people we've helped

We are careful about the cases we take on, and it shows in the outcomes. Over the past thirty-one years we have recovered judgments, settlements and refunds for more than 11,400 clients.

Read every review
Openscore

Client score 4.6  |  3,412 reviews

Rated excellent

Nadia R.

Checking whether I had a claim took about a minute and the soft search left no mark on my file. I had written the money off two years ago, so getting most of it back was a genuine surprise.

Colin B.

First time I have ever instructed a solicitor. Someone rang me back the same afternoon and found three finance agreements I had completely forgotten about. No jargon at any point.

Marta O.

The complaint form was laid out clearly and each stage said exactly what would happen next. It made an unpleasant situation feel manageable, and I always knew who to email.

Frequently asked questions

If your question isn't answered here, send it over and one of our solicitors will come back to you.

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.

Legal advice in plain English

Get in touch to find out how Larkspur Law can help you resolve a dispute quickly, carefully and with the best outcome available to you.