How it works, in 4 steps.
Connect your bank. We detect harm. Clear Legal pursues. You recover what's yours.
Connect your bank
Securely link your current account via Open Banking. We read 6 years of transaction history. Read-only access — we can't move money, ever. You can disconnect any time.
We detect the harm
Our AI scans your transactions for patterns that indicate regulatory breaches: persistent overdraft use without intervention, excessive fees, missing hardship checks. Each finding is mapped to a specific FCA rule.
Clear Legal pursues
If we find a valid case, you can instruct Clear Legal Limited (SRA 469975) to act on your behalf. They submit the complaint to your lender with transaction-level evidence. If the lender refuses, Clear Legal escalates to the Financial Ombudsman.
You recover what's yours
When the lender pays redress, the amount first clears any remaining overdraft balance. Then our fee is deducted. The rest is paid to you as cash. If we don't win, you owe nothing.
What we look for
Our rule engine evaluates your transaction history against specific regulatory requirements. The regulatory citation differs by product — we cite the rule that actually governs each lending type, never one blanket rule.
Bank overdrafts — live today
- ·Persistent overdraft use — 24+ consecutive months in arranged overdraft without lender intervention (FCA CONC 5D.2.1R / 5D.2.2R / 5D.2.3G)
- ·Excessive fee accumulation — fees charged without hardship assessment or fee waiver offer
- ·Missing affordability checks — credit extended without adequate assessment (Consumer Duty)
- ·Vulnerability indicators ignored — patterns suggesting financial distress without lender response
Coming next — each with its own rulebook
- ·Credit cards — persistent debt (FCA CONC 6.7) and creditworthiness assessment (FCA CONC 5A / 5.2A)
- ·Payday and high-cost short-term credit — affordability and repeat lending (FCA CONC 5.2A / 5.3 and the FCA's repeat-lending guidance)
- ·Motor finance — affordability of the agreement (FCA CONC 5.2A)