Find the moneyyour bank owes you.
recoup is a trading style of Clear Legal Limited. Clear Legal Limited is authorised and regulated by the Solicitors Regulation Authority under SRA Number 469975.
We check up to 6 years of your banking and uncover refunds you're owed, from overdraft fees, broken affordability checks, and lending rules the bank missed. Most people never knew the case was theirs to make.
Up to six years of statements. One honest answer.
Regulated. Solicitor-reviewed.
Average data is taken from the collective Irresponsible Lending settlements on behalf of clients up to June 2026 against all the lenders below.
You don't have to use us. You can complain to your lender yourself for free. If your complaint is rejected, you can refer it to the Financial Ombudsman Service yourself, also for free.
Lending Stream · QuidMarket · Loans 2 Go · 118 118 Money · Oakbrook Finance · Bamboo Loans · Cash ASAP · My Finance Club · Lendable · Drafty
Aqua · Marbles · Fluid
Connect your bank. Find out in three minutes whether you have a case.
We read the rules, the bank reads our letter, and the money lands where it should have been all along. Nothing to pay if we don't find anything.
Connect your bank, safely.
Open Banking via an FCA-regulated provider. Read-only. We never see your password and you can disconnect any time.
We check up to 6 years of activity.
Our system reads your transactions against the FCA rules. Every finding cites the specific rule and shows the working.
Clear Legal claims it back for you.
Clear Legal Limited (SRA 469975) writes to the bank, handles the back-and-forth, and escalates if needed.
Put the kettle on. We'll read the statements.
Connect your bank and our engine reads up to six years of transactions against the lending rules banks are required to follow. If there's a case, a solicitor takes it from there. If there isn't, we tell you straight.
We say no to weak cases.
The right answer is sometimes no. A case proceeds only when the evidence is strong, the rule is cited, and the harm is provable to a regulator. Weak cases waste your time and ours.
What we look for.
Every detection cites a real regulatory rule. If we can't name the rule, we don't pursue the case. Every rule pack is versioned, and your case records the exact version that evaluated it.
Confidence informs. It doesn't reassure.
Questions.
You owe nothing. Not every case we check turns out strong enough to pursue — we'd rather tell you that than chase a weak claim.
Your bank shows you a login screen we never see. The connection is read-only and revocable from your bank's own app at any time.
Under FCA complaint-handling rules, your lender must send a final response within eight weeks. If a case escalates to the Financial Ombudsman, their own published timescales run to several months.
Clear Legal Limited, SRA-registered firm number 469975. They review every case before any letter is sent.
We charge a fee on the amount we actually recover. Tiered, capped, disclosed up front on our fees page. No win, no fee.
See if you've got a case. Free, no commitment.
Three minutes. Bank connect, read-only. A straight answer out the other side.
recoup is a trading style of Clear Legal Limited. Clear Legal Limited is authorised and regulated by the Solicitors Regulation Authority under SRA Number 469975.