Have you had a Secured Loan between 2000 and 2009 or Mortgage before 2004?

When a “No Win, No Fee” service is provided, customers generally pay 30% + VAT (36% including VAT). This arrangement eliminates the financial risk of making a claim—you won’t pay anything if your case is unsuccessful. There are no upfront fees or hidden costs, ensuring you won’t be out of pocket. A cancellation fee may apply if you cancel after the cooling-off period.

How it works

Simple 5-Step Process

Eligibility Check
We start by asking you a few simple questions online to determine if your loan or mortgage qualifies.

Complete Form, Upload ID
You fill in our secure digital form and upload ID. This helps us create a Letter of Authority (LOA) and confirm your identity.

DSAR Request to Lender
We send a Data Subject Access Request (DSAR) to your lender. This retrieves your original loan agreement and confirms whether a commission was paid.

Legal Team Reviews Claim
Once the DSAR is received, your claim is passed to our legal partner. Their experts assess and process your case

Compensation Paid
If your claim is successful, you’ll receive a compensation payout.

Submit your details

Start by simply entering your details on our 3 Step form.

Our experts get to work

We have an experienced team of legal professionals, who will meticulously analyse and progress your claim.

Get your funds back

Where we can successfully complete your claim, we will ensure your funds are transferred promptly.

Undisclosed Commissions – Are You Owed Compensation?

Before 2009, many secured loans and mortgages were arranged through brokers who received hidden commissions from lenders. These payments were not disclosed to borrowers, meaning they unknowingly paid more than necessary.
If you:

Took out a second charge secured loan between 2000 and 2009, or
Had a first charge mortgage before 31st October 2004,

You may be entitled to claim back these undisclosed commissions, plus interest.
Lenders often paid brokers’ commissions of 10% or more, on top of any fees you agreed to. These hidden payments created a conflict of interest and could have led to unfair loan terms. Due to changes in the law, these commissions must now be repaid to affected borrowers. Check if you qualify today and start your claim.

For free independent advice, visit the Financial Ombudsman Service.

A small selection of companies we can help you claim against

If any of the below applies to you, you could have a Claim!

Read Our Reviews

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“Barings law staff are so friendly & helpful in any information that i needed to know either via email or phone call, I highly recommend this law firm as since I’ve been with them they have been amazing in dealing with my claims.”
Helen – 27 November 2024

Informative & friendly

Frequently Asked Questions

Who is eligible to make an undisclosed commission (UDC) claim?

If you took out a second-charge secured loan between 2000 and 2009 or a first-charge mortgage before 31 October 2004, and used a broker, you may be eligible. Especially if you were not informed that the broker received commission from the lender, you could have a valid claim.

What is an “undisclosed commission”?

An undisclosed commission is a payment made by the lender to your broker without your knowledge. These commissions were often hidden and meant the broker was incentivised to recommend products that may not have been in your best interest. This is considered a breach of duty under UK law.

Why weren’t these commissions disclosed to borrowers?

During the 1990s and 2000s, many lenders paid brokers secret commissions to secure more loan business. These were not disclosed to borrowers at the time and were often buried in backend agreements between the lender and the broker.