In this guide
Mis-sold Overdrafts
Mis-sold Mortgages
Mis-sold Credit | Store Cards
Mis-sold PCP Car Loans
Mis-sold Fraud & Scam Advice
Mis-sold Pensions & Investments
Hidden | Undisclosed Commissions
Mis-sold Pay Day Loans
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Debt Advice
Latest Updates
By David Turner
Debt has not just a financial toll but also a heavy pyschological and well being toll and the time for reaction is now. Make a claim for compensation, refund or other redress.
Published: 12/02/2025 – 11:59 | Updated: 12/02/2025 – 16:10
Comprehensive Debt Advice Guide
Managing debt can feel overwhelming, but understanding your options can bring relief and help you regain control of your finances. This guide covers important debt solutions, from managing repayments to addressing mortgage mis-selling, offering you the insights needed to make informed decisions. Explore the sections below to find the advice most relevant to your situation.
Debt Management Plan (DMP)
A Debt Management Plan is an informal agreement with creditors, allowing you to pay reduced amounts each month. It’s a good option for managing unsecured debts such as credit cards or personal loans. Creditors may agree to freeze interest, making repayments more manageable.
- Payments can be adjusted based on your income.
- DMPs do not cover secured debts like mortgages or car finance.
- It’s a helpful alternative to bankruptcy, allowing you to gradually clear your debts.
Do I Have a Claim?
If you have been mis-sold financial products, faced irresponsible lending, or experienced unfair debt collection practices, you may have a claim. Understanding your rights and assessing your situation is the first step in seeking compensation or redress.
- Check if you were mis-sold a financial product without proper disclosure.
- Assess if lenders failed to conduct affordability checks.
- Review any misleading terms or hidden charges in loan agreements.
How Do I Claim?
If you believe you have a valid claim, follow these steps to take action:
- Gather evidence, including loan agreements, payment history, and communication records.
- Contact the lender or service provider to raise your concerns.
- If unresolved, escalate the complaint to the Financial Ombudsman Service.
- Seek legal or financial advice for complex cases.
Comprehensive Debt Advice Guide
Managing debt can feel overwhelming, but understanding your options can bring relief and help you regain control of your finances. This guide covers important debt solutions, from managing repayments to addressing mortgage mis-selling, offering you the insights needed to make informed decisions. Explore the sections below to find the advice most relevant to your situation.
Debt Management Plan (DMP)
A Debt Management Plan is an informal agreement with creditors, allowing you to pay reduced amounts each month. It’s a good option for managing unsecured debts such as credit cards or personal loans. Creditors may agree to freeze interest, making repayments more manageable.
- Payments can be adjusted based on your income.
- DMPs do not cover secured debts like mortgages or car finance.
- It’s a helpful alternative to bankruptcy, allowing you to gradually clear your debts.
Do I Have a Claim?
If you have been mis-sold financial products, faced irresponsible lending, or experienced unfair debt collection practices, you may have a claim. Understanding your rights and assessing your situation is the first step in seeking compensation or redress.
- Check if you were mis-sold a financial product without proper disclosure.
- Assess if lenders failed to conduct affordability checks.
- Review any misleading terms or hidden charges in loan agreements.
How Do I Claim?
If you believe you have a valid claim, follow these steps to take action:
- Gather evidence, including loan agreements, payment history, and communication records.
- Contact the lender or service provider to raise your concerns.
- If unresolved, escalate the complaint to the Financial Ombudsman Service.
- Seek legal or financial advice for complex cases.
Latest Mis-sold Finance Guy Overdraft News
The latest mis-sold overdraft advice...
If you have been lent an overdraft you cannot hope to repay, never asked for, or face excessive fees then you may have a claim against your lender.
Mis-sold CAR PCP Loans
Did you drive away with more than you could afford? If you were sold PCP finance and it had hidden commission affecting the choice of loan you might be entitled to a claim.
Mis-sold Store cards?
Repayments on many store cards can be too high to manage, often leading people deeper into debt!
Unsustainable Credit Card Debt?
High costs, unsuitable terms, or long-term financial strain?
Mis-sold An Excessive Pay Day Loan?
Long-term Pay Day Loan interest issues?
This guide will help you make an affordability complaint.
Pay Day Loan Distress?
Faced with unreasonable debt and unable to make headway?
This guide will help you make an affordability complaint.
Recent Posts on this Topic...
What my readers say...
“Thanks to the clear and detailed information on this website, I was able to identify that my mortgage had been mis-sold. With the step-by-step guidance provided, I successfully claimed compensation that lifted a huge financial burden off my shoulders. I can't recommend this resource enough!”
Emilia GardinerDebt Advice Guy Reader 
“After reading the section on overdraft mis-selling, I realized I’d been charged excessive fees for years. The advice here helped me file a formal complaint, and I received a significant refund from my bank. The process was much simpler thanks to this site!”
Ewan ReyesDebt Advice Guy Reader 
“This website opened my eyes to the unfair terms hidden in my PCP car loan. With their advice, I was able to challenge my lender and reduce my balloon payment. I feel empowered and more financially secure now—thank you!”
Darlene KleinDebt Advice Guy Reader 
✔ How this forum works
How this forum works
It’s important you are clear on the purpose and limitations of this site. We’re an information sharing website, aiming to help people who may have been mis-sold financial products. We base our information on over 20 years of experience in financial services and claims sectors, but we can’t guarantee our insights are perfect for everyone. So do note you use the information at your own risk and we can’t accept liability for the outcome of your actions.
- The information contained within this forum/website does NOT constitute financial advice as we are not authorised/regulated by the FCA and we cannot be held responsible for any acts or omissions.
- This is our personal forum/website and the views on here are our personal views on the claiming industry.
- We do not make any money from this forum/website and the information contained within it is to help you to navigate the claiming and complaints industry.
- We often link to other websites, but we can’t be responsible for their content
- Always remember anyone can post on the Mis-sold Financial Experts forums, so it can be very different from our opinion.