Find the money your bank owes you.
We check 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.
“Eleven weeks later, the money was in my account.”
Bell · 32 · Birmingham
Regulated. Reviewed. Insured.
Connect your bank. Get your number in three minutes.
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 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.
Building your case...
Barclays · Persistent overdraft breach
“I never knew Barclays owed me £1,842.”
Bell connected her bank, made a cup of tea, and saw a number she didn't expect. Eleven weeks later, the money was in her account.
What we look for.
Every detection cites a real regulatory rule. If we can't name the rule, we don't pursue the case. Rule packs are versioned in the open.
Persistent overdraft use.
24+ consecutive months in arranged overdraft without lender intervention. FCA CONC 5C.7.
Excessive fee accumulation.
Fees charged without hardship assessment or fee waiver offer.
Missing affordability checks.
Credit extended without adequate assessment under Consumer Duty.
Vulnerability indicators ignored.
Patterns suggesting financial distress without lender response.
Confidence informs. It doesn't reassure.
The plain answers.
If something here doesn't address your question, the methodology page goes further.
What happens if you don't find anything?–
You owe nothing. About 31% of cases we check come back empty — we'd rather tell you that than chase a weak claim.