Mis-Sold Finance Agreements

At WealthWise Advisors Ltd, we specialise in helping people recover money from mis-sold or unfair finance agreements. Whether you've taken out a secured loan, personal loan, credit agreement, car finance, or home improvement loan, you could be entitled to compensation or a refund if the agreement was misrepresented, unaffordable, or unfair.

Mis-selling happens when a lender, broker, or salesperson fails to explain the terms of a finance product clearly, pressures you into borrowing, or approves finance that was unaffordable at the time.

You may have a valid claim if:

• The loan or finance was unaffordable or pushed you into hardship
• You weren’t given full, clear, or accurate information about the interest rate, total cost, or risks
• You were pressured or misled into taking out the finance
• You were told it was the only way to access a product or service (e.g. solar panels, boilers, insulation)
• The broker or seller didn’t properly assess your income or financial situation
• Your credit agreement was linked to a mis-sold product or poor-quality service
• You weren’t told about early repayment charges, long-term costs, or high interest rates
• You were promised the finance would be “temporary” or “refinanced” later and it wasn’t
• You were charged hidden fees or commissions
   

We help clients with claims involving:

• Secured loans against your home or property
• Unsecured personal loans and credit lines
• Car finance / PCP agreements with misleading terms or inflated final payments
• Buy now, pay later (BNPL) schemes
• Credit agreements tied to home improvements, solar panels, insulation, or other energy products
• Finance arranged by unregulated introducers or pushy sales reps
• High-interest subprime loans that were never suitable for your financial situation
   

You’re protected by laws including:

• The Consumer Credit Act 1974
• The Financial Conduct Authority (FCA) regulations
• The Consumer Rights Act 2015
• The Financial Ombudsman Service (FOS) for unfair or irresponsible lending
   

• Secured loans (where your home was used as collateral)
• Personal loans for products or services
• Home improvement loans for solar panels, insulation, double glazing, roofing, etc.
• Car finance agreements – including PCP and HP (hire purchase)
• Retail or in-store credit (including 0% deals that were not truly interest-free)
• Finance arranged by salespeople or unregulated introducers
   

Even if you’ve already paid the finance off or settled early, you could still be eligible to claim.
 

Think your finance agreement was mis-sold?

If you’ve paid unnecessary interest, were misled, or pressured into a loan — you may be owed a refund and compensation with gross interest.

Contact WealthWise Advisors Ltd today for a free, no-obligation review.