Find out if your debt could be voided today.
To get evidence for an affordability complaint, send a subject access request to your lender for free. If you're successful, the lending company may be forced to refund you in full or in part.
Why should I send a subject access request to my lender?
You should send a subject access request to your lender to find out all of the information they have about you, your loan terms, and your debt. If you find any inconsistencies, you can use this to make them reduce or write off your debt.
How to get our of debt using a subject access request:
- Gather evidence via a subject access request
- Look for errors, inconsistencies and key documentation
- Use this evidence to make an affordability complaint
Remember, using a SAR to make a well-evidenced affordability complaint may mean your debt is written off.
A Subject Access Request, or ‘SAR’ is a written request that you send to a company asking to see your personal data.
How do I send a subject access request (SAR)?
The easiest way to send a SAR is through Rightly, for free.
- Search for your lender in the search bar above
- Enter your basic details so that they can identify you
- Check your email to send your request
If you can't find the lender you're looking for, let us know and we'll add it for you!
What should I look for?
If you send a SAR to a lender, they might:
- send you back pages of data that could prove they ignored your credit record
- give you copies of phone recordings ‘showing you were asked leading questions to give the “right” answers’ about your expenditure
The main two things to look out for are:
- Any time the lender failed to get accurate or detailed expenditure information from you. Maybe they never asked about some of your main kinds of expenses, or they put in too low a number for one expense, or you did, and they never double checked the information you gave them. Remember, it’s their responsibility to do thorough checks for big loans.
- Any inconsistencies. In the data you get back from your SAR you can look for one piece of information the lender has on you doesn’t match against something else, so the lender should have looked in more detail.
This is really important to do for large credit loans or guarantor loans, because lenders are required to carry out detailed checks.
How long until they respond to my request?
After the lender has received your request, they have to reply in full within 30 days, or give a valid reason for asking for an extension. If this happens, our support team is here to help!
What if they don't reply?
The lender has to respond to your request by law, thanks to your 'right of access' under GDPR law. This counts as your personal data, and you can ask any organisation if they have your personal data. They have to tell you what they have, as well as how and why they are using it.
How do I use my evidence to reduce my debt?
You use your evidence to send an affordability complaint to your lender.
What's an affordability complaint?
Before a creditor like a loan company can lend you money, they have to make sure that you can afford to pay it back in full and on time, without having to borrow more money and without causing you financial hardship.
They can do this by running an affordability check, this involves, for instance, looking at your income, your expenses and whether or not you pay your bills on time.
If a creditor lends you more money than you can afford to repay, and they didn’t do a ‘reasonable and proportionate’ check, you can make an affordability complaint against them for ‘irresponsible lending’ and ask for interest to be removed from your balance or a refund of the interest you paid.
How do I make an affordability complaint?
These are the steps you can take to send your affordability complaint:
- Send the lender a SAR: Simply type in the lender above, and send them a request.
- Then, send them your complaint: With your new found evidence from your SAR, you can then find the appropriate email address to send your complaint to (this should be on your lender’s website) and send it. There's an email template that we found from the brilliant Debt Camel that you can use too.
- Then, just wait! The lender has to respond to your complaint within eight weeks from that first email.
Remember, if you get rejected or don’t get a good offer, you can just send your complaint to the Financial Ombudsman. They will ask you for more information if they need it.
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We don't use consumer data for commercial purposes, which means we'll never, ever sell your data. It also means that there are no adverts or hidden costs.
Still have questions?
We'd love to help.