Despite the absolute best of intentions and a passion to help solve the irresponsible lending crisis in the UK... We can't do it all for free.
Buckle up, we’re talking money!
We uncover evidence of money you may be owed.
Frequently asked questions
What is Irresponsible Lending?
When lenders agree to loan a customer money, they first need to carry out reasonable and proportionate checks to ensure the borrower can afford the repayments. Therefore, providing loans and credit without adequately assessing if the borrower can afford it is referred to as irresponsible lending.
What checks must the lender do?
What is reasonable or proportionate will vary depending on a customer’s circumstances at the time but it will include a consideration of the following:-
- How much you are borrowing
- What the repayments are and for how long you have to continue to pay them
- Your financial position at the time you took out the loan
- How much you have to pay back overall
How Do I Know If I’m Affected?
You might be eligible to make an irresponsible lending complaint if you have ever had a loan, credit card or overdraft and any of the following apply:
- Your lender made insufficient enquiries into your financial situation
- You had to borrow more to keep up with your debt repayments
- You missed payments because you couldn’t afford them
- You struggled with day to day living costs because of your debt repayments
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Clear Legal Limited is authorised and regulated by the Solicitors Regulation Authority under SRA Number 469975.
Clear Legal Limited is a limited company whose registered address is Units 115-119 Timber Wharf, 42-50 Worsley Street, Manchester M15 4LD and is registered under Company Number 05990386.
Cotton Media Limited is a limited company whose registered address is 275a Upper Brook Street, Manchester, England, M13 0HR and is registered under Company Number 15383725.
This website is owned and operated by Clear Legal Limited and Cotton Media Limited.
Clear Legal Limited is authorised and regulated by the Solicitors Regulation Authority under SRA Number 469975.
Clear Legal Limited is a limited company whose registered address is Units 115-119 Timber Wharf, 42-50 Worsley Street, Manchester M15 4LD and is registered under Company Number 05990386.
Cotton Media Limited is a limited company whose registered address is 275a Upper Brook Street, Manchester, England, M13 0HR and is registered under Company Number 15383725.
This website is owned and operated by Clear Legal Limited and Cotton Media Limited.
1
Used your overdraft, credit cards or loans?
You could be due £1,000s in refunds and compensation.*
Used your overdraft, credit cards or loans?
You could be due £1000s in refunds and compensation.*
Frequently asked questions
What is Irresponsible Lending?
When lenders agree to loan a customer money, they first need to carry out reasonable and proportionate checks to ensure the borrower can afford the repayments. Therefore, providing loans and credit without adequately assessing if the borrower can afford it is referred to as irresponsible lending.
What checks must the lender do?
What is reasonable or proportionate will vary depending on a customer’s circumstances at the time but it will include a consideration of the following:-
- How much you are borrowing
- What the repayments are and for how long you have to continue to pay them
- Your financial position at the time you took out the loan
- How much you have to pay back overall
How Do I Know If I’m Affected?
You might be eligible to make an irresponsible lending complaint if you have ever had a loan, credit card or overdraft and any of the following apply:
- Your lender made insufficient enquiries into your financial situation
- You had to borrow more to keep up with your debt repayments
- You missed payments because you couldn’t afford them
- You struggled with day to day living costs because of your debt repayments
We uncover evidence of money you may be owed.
Want to try it for yourself?
Let's see if we can get some money back in your pocaket.
Want to try it for yourself?
Let's see if we can get some money back in your pocaket.
* These case values are based on the lowest average of the values explained in the How we can help section below.
* These case values are based on the lowest average of the values explained in the How we can help section below.
However, we're convinced that we put more money back in your pocket than you could have done alone, without all the time and hassle.
And we make a promise to you:
Using Tallee will never leave you out of pocket.
We'll only ever take a fee from money a lender owes you after first wiping any outstanding debt you have with them.
No hidden costs
No hidden costs
Buckle up, we’re talking money!
Despite the absolute best of intentions and a passion to help solve the irresponsible lending crisis in the UK... We can't do it all for free.
However, we're convinced that we put more money back in your pocket than you could have done alone, without all the time and hassle.
And we make a promise to you:
Using Tallee will never leave you out of pocket.
We'll only ever take a fee from money a lender owes you after first wiping any outstanding debt you have with them.
No subscription fees
No cash needed
No subscription fees
No cash needed
How does it work?
Step 1
We securely access your financial history to see the full picture.
Connect your bank accounts
We offer a fully digital, quick and simple three step process.
Step 3
For each identified lender, we make one of three decisions straight away: No case, strong case or request data from lender. We'll then handle the rest and inform you of the time each one could take.
You get outcomes
Step 2
Our technology discovers, evidences and values potential cases of irresponsible lending.
Potential claim value in minutes
We'll quickly and securely find the lenders you could claim against.
Step 1
Connect your bank accounts
How it works
Our technology discovers, evidences and values potential cases of irresponsible lending.
Step 2
Potential claim value in minutes
For each identified lender, we make one of three decisions straight away: No case, strong case or request data from lender. We'll then handle the rest and inform you of the time each one could take.
Step 3
You get outcomes
We offer a fully digital, quick and simple three step process.
£1,006
Average case value*
2 mins
To calculate what you might be owed
10,000
People served
How we can help
We offer a 3-in-1 solution to check for cases against overdraft, loan and credit card lenders.
Case value taken from settlements by our sister company Clear Legal Marketing Limited between 1st January 2023 and 30th September 2025.
Consistent use
You were allowed to consistently use your overdraft for a significant number of consecutive months.
Banks should intervene
Your bank should’ve stepped in instead of letting things continue.
Long-term source of credit
Banks should not allow overdrafts to be used as a long-term source of credit.
We'll check if you have cases against your bank(s) based on how long you have spent in your overdraft.
Average case value
£2,104
Overdrafts
When you might have a case
£1,006
Average case value*
2 mins
To calculate what you might be owed
10,000
People served
How we can help
We offer a 3-in-1 solution to check for cases against overdraft, loan and credit card lenders.
We'll check if you have cases against lenders of both traditional and short-term loans.
£1,006
Average case value
Loans
Case value taken from settlements by Clear Legal Limited between 1st January 2025 and 30th September 2025.
Credit cards
We'll check if you have cases against credit card lenders that offer lower introductory credit limits.
£1,797
Average case value
Case value taken from settlements by Clear Legal Limited between 1st January 2025 and 30th September 2025.
Other irresponsible lending
£2,104
Average case value
Overdrafts
We'll check if you have cases against your bank(s) based on how long you have spent in your overdraft.
Case value taken from settlements by our sister company Clear Legal Marketing Limited between 1st January 2023 and 30th September 2025.
Consistent use
You were allowed to consistently use your overdraft for a significant number of consecutive months.
When you might have a case
Long-term source of credit
Banks should not allow overdrafts to be used as a long-term source of credit.
Banks should intervene
Your bank should’ve stepped in instead of letting things continue.
We'll check if you have cases against lenders of both traditional and short-term loans.
Loans
Other irresponsible lending
£1,006
Average case value
Case value taken from settlements by Clear Legal Limited between 1st January 2025 and 30th September 2025.
Credit cards
We'll check if you have cases against credit card lenders that offer lower introductory credit limits.
£1,797
Average case value
Case value taken from settlements by Clear Legal Limited between 1st January 2025 and 30th September 2025.