Case Studies
Real clients. Real outcomes.
Every case is different — here's how we've resolved the toughest markers, closures and disputes for people just like you.
HSBC CIFAS marker removed in 8 weeks
Priya was flagged with a misuse-of-facility marker after a disputed £4,800 overdraft. She was locked out of six banks and lost a mortgage in principle three days before completion.
Full marker removal + £2,500 compensation
Resolved in 8 weeks
Barclays account reopened with £4,000 compensation
Marcus, a small business owner, had his personal and business accounts closed with 30 days' notice and no explanation. Barclays refused to engage.
Account reinstated + £4,000 compensation
Resolved in 7 weeks
Monzo fraud marker cleared after coercion evidence
Our client was coerced by a partner into permitting transactions on her account. Monzo added a first-party fraud marker after the funds were recalled.
Marker removed + £3,200 compensation
Resolved in 6 weeks
Six credit file errors corrected across all bureaus
David was refused a remortgage with a 47% loan-to-value. A full audit revealed six inaccuracies across Experian, Equifax and TransUnion.
Score increased by 214 points
Resolved in 6 weeks
NatWest default removed after four-year fight
Karen was recorded with a default on a settled loan account. She'd challenged it directly with NatWest three times and been refused.
Default removed + £850 goodwill payment
Resolved in 5 weeks
CCJ set aside — served to wrong address
Nathan discovered a £2,300 CCJ registered against him during a mortgage application. It had been served to an address he'd left three years earlier.
CCJ set aside and removed from register
Resolved in 7 weeks
Starling closure reversed within 3 weeks
Starling froze then closed Amir's account after a routine business transfer was flagged as suspicious.
Account reinstated + £400 compensation
Resolved in 3 weeks
Mis-linked address unwound across three bureaus
Charlotte's file had been merged with a former tenant carrying multiple defaults and a CCJ.
8 negative entries removed
Resolved in 5 weeks
Monzo first-party marker cleared — coercion case
Client was pressured by a family member into making transactions they later disputed.
Marker removed + £2,750 compensation
Resolved in 7 weeks
Revolut FOS award — £3,500
Revolut had refused a scam-related refund citing 'authorised' status of the payment.
Complaint upheld + £3,500 award
Resolved in 8 weeks
Lloyds misuse marker — cleared before mortgage completion
Marker applied after a disputed overdraft dispute Aisha had already appealed twice.
Marker removed + £1,200 goodwill
Resolved in 5 weeks
Vanquis default removed after nine years
Michael thought his default had dropped off after six years. It hadn't — it had been re-reported incorrectly.
Default deleted + £100 goodwill
Resolved in 8 weeks
HSBC CIFAS cleared during mortgage window
Marker discovered mid-application when a lender pulled the record.
Marker removed + £900 for distress
Resolved in 6 weeks
Santander unfair charges — £1,850 refunded
A cascade of overdraft charges triggered during a bank IT outage.
£1,850 refunded + £250 distress
Resolved in 7 weeks
Barclaycard late marker removed
A single late-payment marker after Barclaycard's direct debit system failed.
Late marker removed
Resolved in 4 weeks
Aqua — two defaults deleted after eligibility challenge
Two defaults from cards Kieran was mis-sold when unemployed.
Both defaults removed + £600 compensation
Resolved in 5 weeks
Klarna marker removed — account never opened
Marker from an account opened fraudulently in her name.
Marker removed
Resolved in 5 weeks
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