If a lender gave you credit that was clearly unaffordable, you may be able to challenge it. This section explains how affordability complaints work, how to complain, and what to do if your case needs to go to the Financial Ombudsman Service.
In January 2026 I submitted a formal complaint to Onmo about my credit card account. The complaint covered two main areas: Whether the credit was affordable when it was approved A series of operational issues, including payment notifications and confusing app information Recently I received their final response. In this post I’m going to break…
Car finance is one of the most common forms of borrowing in the UK. Millions of people use hire purchase (HP) or personal contract purchase (PCP) agreements to spread the cost of a vehicle. However, lenders have a legal responsibility to make sure the finance they provide is affordable. If a lender gave you car…
Many people assume that if they were approved for a credit card, the lender must have decided it was affordable. Unfortunately, that isn’t always the case. In the UK, lenders are required to check that credit is affordable and sustainable before approving an application. If those checks were not carried out properly, you may be…
When you are trying to rebuild your finances after years of debt problems, one of the most important things you can do is monitor how lenders treat you. Sometimes that means challenging decisions that simply do not make sense. Unfortunately, that is exactly what happened with my Onmo credit card, which ultimately led me to…
Affordability complaints have become increasingly common in the UK, particularly where lenders rely heavily on automated credit checks. Recently, I raised an affordability complaint about a loan issued by Lendable. I’m sharing the experience here because it highlights how lending decisions are made, what can go wrong, and what your options are if you believe…
If you were given credit that you could never realistically afford to repay, you may be able to make what’s called an affordability complaint. This type of complaint argues that the lender failed to carry out proper checks before approving the credit. If the complaint is upheld, the lender may have to: Refund interest and…