Free guarantor loan check

Concerned a guarantor loan was unaffordable or unfairly explained?

Guarantor-loan concerns can involve affordability checks, what the guarantor was told about their responsibility, or what happened when repayments became difficult. The form asks different questions depending on whether you were the borrower or guarantor.

Start my free check See when this route may fit

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Does any of this sound familiar?

See whether this looks like the right place to start.

These examples are there to help you choose a route. They do not mean you definitely have a valid claim or that compensation will be due.

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THIS ROUTE MAY BE RELEVANT

You may want the circumstances reviewed if…

As borrower, repayments were unaffordable without repeatedly missing other essential commitments or borrowing again.
As guarantor, you were not given a clear picture of the borrower’s position or your own potential responsibility.
The guarantor was called on to make payments and you question whether suitable checks were carried out.
You complained before, or the lender is no longer lending, and you want the circumstances organised for review.

A DIFFERENT ROUTE MAY FIT BETTER

This check may be less likely to match if…

You are looking for help obtaining a new guarantor loan rather than complaining about a historic one.
The only issue is a temporary change in circumstances that happened well after an otherwise affordable loan was made.
The agreement was a different type of credit product with no guarantor arrangement.

Still unsure? You can use “Not sure” in the form or start with the general check.

What matters first

The key details around what happened.

We focus on the facts you remember — what was recommended, explained or arranged, and what concerns you now.

The borrower could not afford repayments without repeatedly falling behind elsewhere or borrowing again.

The guarantor did not understand the likelihood or extent of having to make payments.

The lender’s affordability or guarantor checks may not have reflected the circumstances at the time.

The guarantor had to make payments or the loan caused ongoing financial difficulty.

What we will ask

A few details that help tell the story.

The questions are split into simple steps, starting with the product and then what happened around it.

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About the loan

What was your role?
Who was the lender?
Approximately when was the loan taken?
Is the loan still open or outstanding?

Affordability, checks and repayments

As borrower, were the repayments affordable without regularly falling behind on other essential commitments or borrowing again?
As guarantor, do you remember the lender checking your own finances and clearly explaining when you could be required to pay?
Did the guarantor have to make any payments?
Did the loan lead to repeated arrears, collection pressure or financial difficulty?
Have you already complained to the lender?

After you send it

What happens next?

The claims firm named at the final step can review your enquiry and contact you if it needs anything else.

Your enquiry is recorded

We keep a record of the details you send and the consent you give.

The claims firm can take a first look

If it needs more information, it can contact you using the details you provided.

You decide what happens next

If the claims firm can help, it will explain what it can do and any fees before you choose whether to go ahead.

Your other options

You can complain without using a claims management company.

Depending on the issue, you may be able to complain directly to the business and use the Financial Ombudsman Service or Financial Services Compensation Scheme yourself for free.

Financial Ombudsman Service ↗Financial Services Compensation Scheme ↗

Guarantor Loan FAQs

Questions people usually ask.

For general questions about MFCC, privacy or what happens after you send an enquiry, use the main FAQs.

View all FAQs →

Can both borrowers and guarantors make an enquiry?

Yes. The form asks which role you had and then records the facts relevant to affordability, checks and repayments. The claims firm will decide whether it can assist.

Does struggling with repayments automatically mean the loan was mis-sold?

No. A complaint normally depends on the circumstances and checks when the loan was made, not just later financial difficulty.

What if the lender no longer offers guarantor loans?

You can still send the check. The claims firm can review the lender and what happened, then explain whether there may be a route forward.

Can I complain to the lender myself?

Yes. You do not have to use a claims management company. You can complain directly to the lender for free and may be able to use the Financial Ombudsman Service if the complaint is not resolved.

Free claim check

Start with the details you remember.

The MFCC check is free. If the claims firm can help, they’ll explain what happens next before you decide whether to go ahead.

Start this check →