💥 Affordability Refunds: Expose Those Hidden Loan Commissions 💥

Quick Nav

• Intro: What’s Going On?
• Do You Have a Claim?
• How to Get Your Cash Back

🔥 Introduction — The Real Deal

Loans sneak in hidden commissions and fees, jackin’ up your repayments and drowning you deeper in debt. Not cool.

When you took that loan, the lender had to check it was affordable — fees and commissions included. Most don’t. They keep those extras secret, handing out loans that should’ve never been given.

Here’s the game plan to fight back. Use the template, raise hell, and you could get:

• Cold hard cash refunded for those sneaky fees.
• Commissions wiped off your loan balance — only pay what you borrowed.

Keep paying while you complain — your credit stays clean. No mess, just muscle moves.

Contents Breakdown

• Quick Overview
• What Loans Qualify?
• What’s a Hidden Commission?
• Step-by-Step Claim
• How to Complain
• Escalate to Ombudsman
• Bonus Tips

🤔 Do You Have a Claim?

You’re in the fight if your loan is:

• Personal loans — from banks, credit unions, or high-cost lenders — hiding fees you didn’t sign up for.
• Loans you’re paying off, already paid, defaulted, or on a payment plan — where commissions weren’t clear.
• Consolidation loans loaded with secret fees that still crush your wallet.

Mortgages and business loans? Nah, this isn’t for those.

What the Hell Are Hidden Commissions?

These are charges snuck in without clear heads-up:

• Fees shoved into your loan amount, no warning.
• Sky-high interest rates that secretly pack fees in.
• Extra monthly costs disguised to make the loan look affordable.

Regulators say a loan’s affordable only if total repayments (fees + commissions) don’t wreck your budget or force you to borrow again.

✍️ How Do You Claim?

Follow this power move:

1. Hit up your lender with the complaint template.
2. Wait up to 8 weeks for their reply — patience is part of the hustle.
3. If they ghost you or deny the claim, escalate to the Financial Ombudsman. No backing down.

Complain to the Lender

Shoot them an email with:

• Subject: AFFORDABILITY COMPLAINT – HIDDEN COMMISSIONS
• Loan details + all hidden fees you caught.
• Bank statements and credit reports if you got ’em.

Go to the Ombudsman

If the lender says no, take it to the Financial Ombudsman Service with their online complaint form. Attach:

• The lender’s denial or response.
• Your credit report.
• Bank statements backing your claim.

Bonus Tips

Pack your complaint with as much proof as you can. If you’re unsure if your loan hides fees, gather docs showing your repayments got fattened by secret charges. Show ’em you mean business.