As of 13 August 2026, AI can only partly check if you were mis-sold a loan.

What to actually do

1. Hand it to a person

   The route this page recommends

   A person who owns the outcome does this end to end, worth it when the failure is dear.

2. Use a tool built for this

   Second choice

3. Do it yourself

   The distant third

   A chat interface, chat-fluent skill, and roughly 1 hour until you can act on the result.

   How to actually do it

   1. Open the loan agreement, pre-contract information, statements, payment protection or insurance paperwork, lender messages and any final response, then make copies with account numbers and other unnecessary personal details redacted.
   2. Write a plain chronology of the application, approval, payment, conversations, repayments and any complaint, including the dates you know and marking remembered dates as approximate.
   3. Record what you were told about affordability, suitability, fees, commission, insurance, interest, early repayment and the consequences of missing payments, separating your own recollection from wording shown in documents.
   4. Paste the prompt and your redacted chronology and documents into a chatbot, then ask it to analyse the evidence without filling gaps or treating a possibility as proof.
   5. Compare every date, amount and quotation in the response with the original documents, delete any statement that is not supported, and list the missing evidence it identifies.
   6. Check any current UK rule or complaint route against the lender's own process, GOV.UK, the Financial Conduct Authority or the Financial Ombudsman Service before relying on it.
   7. If the evidence supports raising the issue, send the factual complaint draft to the lender through its published complaints channel and keep the documents, prompt, response and submission confirmation together.
   8. Take a serious or disputed case to a regulated financial adviser or solicitor before accepting an offer, signing a settlement or starting court action.

   Prompt

   I want help checking whether a UK loan may have been mis-sold. Analyse only the evidence I provide and do not invent facts, dates, rules or quotations. Separate confirmed facts, my recollection, assumptions and missing evidence. Check for possible issues such as unaffordable lending, unsuitable advice, misleading explanations, pressure to take the loan, undisclosed fees or commission, inappropriate payment protection or linked insurance, and whether the lender failed to explain important terms. Do not decide that I definitely have a claim. For each possible issue, show the evidence for it, the evidence against it, what document or fact would be needed to check it, and how confident you are. Flag any point that depends on current UK rules and tell me to verify it with the lender, GOV.UK, the Financial Conduct Authority or the Financial Ombudsman Service rather than stating it as fact. Then produce a dated chronology, a short list of questions for the lender, and a factual complaint draft that asks for a response without making unsupported legal claims. Tell me if the evidence is too incomplete for a reliable view. My loan type is: [loan type]. My key dates are: [dates]. My account of what happened is: [account]. The documents and extracts are: [documents and extracts].

   Open it prefilled in ChatGPT or Claude, or copy it into Gemini, which takes no prefill link.