Struggling with repayments?
You could be entitled to substantial compensation

The Financial Conduct Authority (FCA) and the Financial Ombudsman Service (FOS) have found widespread mis-selling of mortgages by banks, brokers and building societies Mis-sold mortgages have left thousands of borrowers trapped in unfair mortgage contracts.

Financial Claims Helpline (FCHL) can help you overcome your mortgage problems by helping you claim the money you are owed.

Financial Claims Helpline (FCHL) can help you overcome your mortgage problems by helping you claim the money you are owed.

Think you have been mis-sold a mortgage?
Think you have been mis-sold a mortgage?


Financial Claims Helpline (FCHL)

Financial Claims Helpline (FCHL) specialise in identifying ‘mis-selling’ of regulated financial products and services. We understand the financial and legal complexities involved in these products and how mis-selling may have taken place. Mis-selling means you were given unsuitable advice, the risks were not explained to you or you were not given the information you needed and ended up with a financial product that was not right for you. The Financial Conduct Authority (FCA) and the Financial Ombudsman Service (FOS) have found widespread mis-selling of financial products and services, especially cases of mortgage mis-selling.

It is our mission to help those who have been unfairly treated or disadvantaged by negligent advisors, brokers or lenders. The financial wellbeing of our clients is paramount, we aim to help you gain access to financial and legal help. We have access to a team of financial and legal experts in our panel solicitor firms who will pursue your claim for compensation on a ‘No Win No Fee’ basis (subject to meeting the required criteria and solicitor terms and conditions).

Taken out a bank loan or a mortgage


Think you have been mis-sold a mortgage?
Call us now on:

0330 635 1780


The law states that brokers and lenders must ensure that mortgages are affordable throughout the entire mortgage term. If it can be shown that your mortgage was mis-sold then you may be able to claim for losses from the day your mortgage began.

FCHL can help you claim compensation if your advisor, broker, lender acted in breach of the Financial Conduct Authority (FCA) mortgage rules and regulations.

Examples of mortgage mis-selling:

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  • Your advisor did not complete an assessment of your financial circumstances and attitude to risk.
  • The fees and charges were not explained to you or a secret commission was paid to the advisor which you were not told about.
  • Your advisor did not discuss how you would pay the rest of the mortgage at the end of an interest only mortgage.
  • You were told that the endowment policy would definitely pay off the mortgage.
  • Your endowment policy and mortgage were set up to run into your retirement and your advisor did not ensure you would have the income to continue to make payments.
  • Your advisor recommended that you cash in your existing endowment and then sold you another.
  • You were advised to remortgage your house as a way of consolidating your debt[/su_list]


Have you been overcharged by your lender or mortgage company, have you become a mortgage prisoner?

Due to the complexities of calculating interest the borrower puts their trust in the lender that the payments will be calculated correctly and in accordance with the loan agreement. Unfortunately, many borrowers have made over payments on their loans or mortgages due to miscalculation on the part of their lender(s). Many lenders have mis-allocated payments and applied incorrect interest rates. This has resulted in millions of home owners being overcharged, payments which they may be entitled to have refunded.

You are likely to have been overcharged if:

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  • You have fallen into arrears with your loan or mortgage.
  • The lender paid your broker or advisor a fee that was not agreed.
  • You have been charged excessive administration fees or arrears penalties.
  • You have become a ‘mortgage prisoner’ trapped in your mortgage and unable to switch to a new one.


Overcharged mortgages


Did you take out a secured loan before 2008 or remortgage before 2004? If so your advisor or broker was almost certainly paid a substantial undisclosed secret commission without your knowledge or authority. The law states you must be repaid that money with a typical average claim standing at over £7,000.

A failure to disclose the existence and value of a commission paid by a lender to a broker places the broker in a conflict of interest. The broker should act for his client and in his clients best interest. A broker paid a commission payment by a lender maybe influenced to send his clients business to the lender paying the highest rate of commission. This is against the law and a breach of the Financial Conduct Authority (FCA) rules and regulations.

In order for a borrower to make an informed decision about a commission and whether the loan was right for them the broker should tell the borrower about the payment of a commission and how this would affect the loan. Simply being told a commission maybe payable is not adequate when selling financial products and services. Most borrowers would not be aware of the secret commissions which were added to the loan. Depending on the circumstances of your loan or mortgage it may be possible to have the loan reduced and the interest paid refunded back to you.

If you have taken a loan in the last 20 years and would like FCHL to make an assessment of eligibility involving the following loans, mortgages or services:

[su_list icon=”icon: dot-circle-o” icon_color=”#7ac943″][su_list icon=”” icon_color=”#7ac943″ indent=”0″ class=””]

  • Mortgages entered into before 2014
  • Second Charge loans
  • Insurance sales via a broker
  • Buy to Let mortgages
  • Commercial mortgages


Think you have been mis-sold a mortgage?
Call us now on:

0330 635 1780


1. Call Us

If you are unsure that you have been mis-sold a mortgage or loan call us and one of our representatives will contact you.

2. Complete Online Form

Complete the online form and we will send you a claim information pack.

3. Complete & Return Information

Please read the information pack carefully and then complete as much detail as possible; the more relevant the information, the smoother the process. Return the pack to us at the address provided using the pre-paid envelope.

4. Mis-Sale Found

If we find you have potentially been mis-sold or overcharged on your loan or mortgage, we will refer your claim to one of our panel of solicitors  who will pursue your claim for compensation.


Who are FCHL?

Financial Claims Helpline specialise in helping people who have been mis-sold a financial product or service.Your claim will be assessed by one of our represetatives and if you qualify, you will then be passed to one of our panel solicitors who will dedicate someone to your claim.

What do I need to do?

Simply call us or fill in the application form.
You will be required to provide instructions during the claim process with your solicitor.
Only a small number of cases proceed to court and if this happens, your solicitor will be there every step of the way to guide you through.

Will claiming affect my mortgage?

Your claim will not affect your credit rating and therefore will not show on any referencing agency. In addition your current lender must treat you fairly and the fact that you are making a claim is not reasonable grounds for them altering your current mortgage to less favourable terms.

What do I have to pay?

We will complete the initial enquiries without charge on a no obligation basis. Once we have established whether you have a valid claim, you will then be signed to a No Win No Fee agreement, with a solicitor subject to their terms and conditions.

I don’t have my mortgage paperwork, does this matter?

No problem at all, our panel solicitors we will obtain this for you!
All we need to progress your claim is the name of the lender or mortgage provider and when it was taken out. We have a few simple questions about the type of loan or mortgage you have in order to proceed.

What if I no longer own the property I mortgaged?

If you have been forced to sell your home or downsize due to being unable to afford it, there is a strong likelihood that your loan / mortgage was mis-sold.

What if I own it with someone I no longer live with?

Both parties to a mortgage have an equal right to make a claim. We try to make the process as simple as possible for all involved and understand that some people don’t want to be involved day to day. Therefore we will need a signature at the outset from both owners.

Who pays the compensation?

Financial Claims Helpline do not charge you for our services. Once our in-depth assessment has identified that your claim meets the required criteria you will progress with a chosen solicitor. If your case is successful, the solicitor will charge you for their services by deducting a percentage of your compensation. Typically, this will range between 25-35% + VAT.

If you have any outstanding liabilities (excluding your current mortgage account) with the financial institution or person against who the claim is made, any compensation awarded, may in certain circumstances, be off-set against those outstanding liabilities.

What is After The Event Insurance?

After the Event (“ATE”) Insurance is an insurance policy which covers the legal costs and expenses involved in pursuing a claim. This insurance covers the legal costs claimants must pay to a defendant when a claim is unsuccessful or terminated on the advice of a solicitor. It also covers the legal costs payable to a defendant in the event of an unsuccessful claim. ATE Insurance is purchased after the incident which has caused loss to the claimant, but normally before any significant legal costs or disbursements are incurred, so most ATE Insurance policies are purchased at the point at which a solicitor begins a claim.

Company Policies

Terms and conditions

Terms & Conditions

By using this website,, you have read our terms and conditions and you have accepted them. If you do not agree to these terms and conditions you are not authorised to use this website.

We reserve the right to change the terms at our discretion by changing them on the website.

Disclaimers & exclusion of liability

We have taken care to ensure that the information on this website is accurate and up-to-date, however we cannot accept any responsibility for mistakes or omissions.

With this website, there are no implied conditions, warranties, terms or representations regarding the quality, accuracy or completeness of the information.

FCHL website pages do not constitute either an offer, or legal or other professional advice and by using this website you confirm that you have not relied on any such content.

We do take measures to ensure our website and its content are free from viruses, but cannot accept responsibility for any viruses that may affect any material you download.

You may not misuse the website so you cannot hack, attempt to gain unauthorised access to the website or any server on which the website is stored, or knowingly introduce viruses, trojans or other harmful material which is malicious or technologically harmful. You may not attack the website via a denial of service (DoS) attack or a distributed denial of service attack.

Legal information

The FCHL website gives information about our services and is provided for general information only, it does not take account of any individual circumstances, reflect any recent changes in the law or constitute legal advice.

Any reliance on material on this website will be at your own risk and specialist advice should be sought before taking any action.

This website is owned and operated by FCHL and offers no warranty of any kind, implied, expressed or statutory, and makes no claims, promises or guarantees about the accuracy, completeness, or adequacy of the contents of this website.

Privacy / GDPR Policy


Our Commitment to Privacy

At Financial Claims Helpline Limited (FCHL), we are committed to respecting and protecting your privacy. This Privacy Policy covers information we collect from users and visitors of By using our Services or agreeing to this Privacy Policy, you are consenting to the collection, use, disclosure of your information as described below.

If you have any concern about providing information to us or having such information used in any manner permitted in this Privacy Policy, you should not use the Services.

What information do we collect?

We collect information about you when you use our Services in several ways.

Information Provided by You

  • We collect information from you when you register your details on our site or subscribe to our informational newsletter.
  • When registering on our site, you may be asked to enter your e-mail address. However, you may visit our site anonymously. If you believe that someone has created an unauthorised account depicting you or your likeness, you can request its removal by contacting

Information Provided by Third Parties

We may collect, process and store your information associated with any social media account (such as happens when you enter a promotion or interact with a social application and agree to allow fchl to access your social media information. It happens also when you, as an Account Holder, upload company information data to use in FCHL financial services).

Automatically Collected Information

FCHL and third parties may use automated means to collect information about you, your computer or other device, and your use of our Services by using technologies such as cookies, web server logs, web beacons and Javascript.

Cookies are small files that a site or its service provider transfers to your computer’s hard drive through your Web browser that enables the sites or service providers systems to recognise your browser and remember certain information.

We use cookies to understand and save your preferences for future so that we can offer better site experiences and tools in the future.

In addition, we use your public IP address to detect your location.

What do we use your information for?

FCHL may use the information we collect about you to:

  • Establish your account and provide the Services;
  • Fulfil your requests and provide customised content to you;
  • Improve our Services and provide better customer service
  • To develop new features and services.
  • Provide our customers’ marketing analytics,
  • To send periodic emails newsletters for marketing, and
  • To investigate, prevent, or take action regarding unlawful or harmful activities, including potential threats to the physical safety of a person, potential fraud, and any violations of our Terms of Service.

How do we share the Information?

Information about you may be shared for the following purposes:

  • When we have your consent or where it is necessary to carry out your instructions;
  • As reasonably necessary to provide Services’ features and functionality to you;
  • We may share your information with our associates, third-party vendors or business partners who provide services on our behalf, which may include analytics, customer service, marketing, sales, payment processing, and fraud prevention. Occasionally we may also authorise third-party vendors to collect information on our behalf, including as necessary to operate features of our Services.
  • When we believe in good faith that sharing is reasonably necessary to investigate, prevent, or take action regarding possible unlawful activities or to comply with legal process or other legal requirements.
  • When we deem disclosure appropriate in situations involving potential threats to the physical safety of any person, potential violations of our terms, or claims of violation of the rights of third parties
  • When we deem disclosure appropriate to protect the rights, property and safety of us, our employees, users, or another person or entity (the disclosures described here may involve the sharing of your information with, for example, law enforcement, government agencies, legal authorities / courts, or other parties).

Information Access, Correction, and Deletion Options

You have a right to:

  1. Access, modify, correct, or delete certain of your information regarding your user profile, and
  2. Close your account. You can also contact us regarding any account information which is not on your profile or readily accessible to you.

If you close your account, your information may be removed or unpublished from the Services within a reasonable amount of time.

Please note that information that others have copied may remain visible and you may not be able to access, correct, or eliminate any information about you that others copied or exported out of, because this information may not be in our control.

Your information may also be displayed in search engine results indefinitely as this is not under our direct control.

We keep your accurate, complete and up-to-date personal information for as long as your account is active.

For example, we may keep certain information even after you close your account if it is necessary to comply with our legal obligations, meet regulatory requirements, resolve disputes, prevent fraud and abuse, enforce our agreements or as part of our Website data backup process. We may keep your data in a published or unpublished format on the Services or in backups on servers in the UK and abroad,

How do we protect your information?

We have implemented various technical, administrative, and physical safeguards to protect your information and to prevent unauthorised access, maintain data accuracy, and ensure the correct use of information. These safeguards maybe in the form of software firewalls, hardware firewalls and vary depending on the sensitivity of the information at issue.

Third Party Links and Services

The Services may contain links to third-party websites, applications and services, including social media services such as Facebook, as well as embedded images / videos or other third-party content and features. Your use of these features may result in the collection, processing or sharing of information about you, depending on the features accessed. We are not responsible for the content, features, security or practices of any third parties. The information you choose to provide to or that is collected by these third parties is not covered by our Privacy Policy.

Changes to our Privacy Policy

This Privacy Policy may be modified from time to time so please review the changes carefully. If you disagree with the Privacy Policy, you must stop using our Services. If you continue to use our Services after we publish an updated privacy policy or communicate a notice about any changes to this Privacy Policy, you are consenting to such changes.

International Users

The Services are hosted in the United Kingdom and are governed by the Laws and Regulations of the United Kingdom. Please be aware that your information may be transferred to, stored and processed in the United Kingdom or any other country where our data servers are located.

The data protection and other laws of the United Kingdom might not be as comprehensive as those in your country. By using the Services, you consent to your information being transferred to our facilities and to the facilities of our associates, partners and third parties with whom we share it as described in our Privacy Policy.

Contact Us

If you have any requests, questions, comments, or concerns regarding this privacy policy you may write to us at

Complaints procedure

Complaints Procedures

We hope that the service and experience provided by Financial Claims Helpline (FCHL ) is satisfactory, however, we do realise that matters don’t always go as planned, and therefore this policy explains how FCHL will deal with any concerns you may have about the service received.

How do I make a complaint?

If you do have a concern or complaint, please contact us as soon as you are aware of the problem by contacting us:

Telephone: 0330 635 1780


Post:    Victoria House, 37 Anson Road, Manchester, M14 5DA

Please include the following information:

  • Your full name
  • Reference number
  • Contact telephone number
  • Contact email address
  • Full details of your concern

What happens next?

We will send you a letter acknowledging receipt of your complaint within seven days of our receiving the complaint, enclosing a full copy of the complaints procedure and advising you who will be responding to the complaint. We aim to resolve your complaint fully within 21 days of sending you the acknowledgement letter.

What happens if I am unhappy with the response?

The matter will be referred to our Compliance Manager, Mr. T. Qureshi, who will consider the complaint further.

Although we aim to resolve complaints within 21 days of acknowledgement, the Legal Ombudsman guidelines allow for 8 weeks from the date we receive your complaint. If we have not been able to resolve the complaint within 8 weeks or following receipt of our final formal response (whichever happens first), you have the option of referring the matter to the Legal Ombudsman.

Legal Ombudsman

There are time limits for submitting a complaint to the Legal Ombudsman. Where you have not followed our complaints procedure, you must submit your complaint to the Legal Ombudsman within:

  • 6 years from the date of the act/omission; or
  • 3 years from the date when you should have known you have a complaint to pursue

The Legal Ombudsman will not, however, accept complaints where the act/omission or date of awareness was before 6th October 2010.

Where you have followed our complaints procedure, the time limit for pursuing a complaint to the Legal Ombudsman is no later than 6 months from the date on which you received a definitive response to your complaint from this firm, or from the last day of the 8 week period, whichever is the earlier.

There are exceptions to the 8 week and 6 months rules. For information relating to those exceptions, please refer to the scheme rules on the Legal Ombudsman website.

Legal Ombudsman contact details:
Post: The Legal Ombudsman
PO Box 6806
Telephone number: 0300 555 0333


0330 635 1780

Mon. - Fri. 09:00 - 18:00