Challenges across lending

The pressure on Lending teams

Lending conduct is now judged across the whole relationship, from the decision to lend to the collections conversation, while cost-of-living pressure and heightened scrutiny have changed what good lending conduct looks like.

Affordability under the microscope

Complaints increasingly turn on whether lending was affordable at the point of decision, and whether you can evidence it, with the proof hidden amongst copious datasets

Affordability under the microscope

Complaints increasingly turn on whether lending was affordable at the point of decision, and whether you can evidence it, with the proof hidden amongst copious datasets

Vulnerability at every stage

More borrowers are financially stretched. Identifying vulnerability late, or inconsistently, is where harm compounds.

Vulnerability at every stage

More borrowers are financially stretched. Identifying vulnerability late, or inconsistently, is where harm compounds.

Irresponsible lending causing complications

Irresponsible-lending complaints complicate the lending process and cause huge detriment to your business. Where they're upheld, interest has to go back.

Lending in numbers

Real statistics, real people

71,000+

Irresponsible lending complaints reported to FOS in 2024/25, more than double the previous year

71,000+

Irresponsible lending complaints reported to FOS in 2024/25, more than double the previous year

35%

FOS’s overall uphold rate for complaints related to lending

35%

FOS’s overall uphold rate for complaints related to lending

50%

Around half of all complaints brought in via Claims Management Companies

50%

Around half of all complaints brought in via Claims Management Companies

Review, Resolve, Remediate

How CourtCorrect helps in the Lending journey

Lending teams can take advantage of the whole CourtCorrect product portfolio - from review through to remediate.

See the pattern in the book

Model complaints, Trustpilot and internal lending data together to surface irresponsible-lending patterns, repeat borrowing concerns, affordability gaps and vulnerability indicators across your portfolio.

Explore Review

REVIEW

See the pattern in the book

Model complaints, Trustpilot and internal lending data together to surface irresponsible-lending patterns, repeat borrowing concerns, affordability gaps and vulnerability indicators across your portfolio.

Explore Review

REVIEW

Handle cases consistently, and on your terms

Analyse loan files, flag vulnerabilities and assess affordability against your internal policy and lending criteria, then process cases consistently, including interest-return outcomes if applicable.

Explore Resolve

RESOLVE

Handle cases consistently, and on your terms

Analyse loan files, flag vulnerabilities and assess affordability against your internal policy and lending criteria, then process cases consistently, including interest-return outcomes if applicable.

Explore Resolve

RESOLVE

Prevent at the point of lending

Flag risk indicators at the start of the customer journey, so handlers are equipped to address issues before the loan is written rather than after the complaint lands.

Explore Remediate

REMEDIATE

Prevent at the point of lending

Flag risk indicators at the start of the customer journey, so handlers are equipped to address issues before the loan is written rather than after the complaint lands.

Explore Remediate

REMEDIATE

Lending in action

Use cases we see most in Lending

Just some of the real life use cases that our platform enables for teams across the Lending sector

Irresponsible Lending

Assess whether lending was appropriate against lending criteria, and calculate the interest to return where upheld.

Irresponsible Lending

Assess whether lending was appropriate against lending criteria, and calculate the interest to return where upheld.

Loan file analysis

Interrogate whole loan files at speed to surface and summarise key supporting evidence.

Loan file analysis

Interrogate whole loan files at speed to surface and summarise key supporting evidence.

Collections Activity

Quality assurance provides insight on best practice to collectors, assisting them with effective collection customer journeys

Collections Activity

Quality assurance provides insight on best practice to collectors, assisting them with effective collection customer journeys

Affordability assessments

Test affordability evidence against your internal policy and lending criteria.

Affordability assessments

Test affordability evidence against your internal policy and lending criteria.

Refine internal policies

Use our insights to adjust and refine your internal lending policies to assist with decision making and improved customer outcomes

Refine internal policies

Use our insights to adjust and refine your internal lending policies to assist with decision making and improved customer outcomes

Lending Quality Assurance

Assess lending decisions against your own standards and surface inconsistency.

Lending Quality Assurance

Assess lending decisions against your own standards and surface inconsistency.

In Focus

Built for the detail that matters

Collections quality assurance

Quality-assure collections activity end to end: whether collectors are reaching out the right way, whether the right payment option was offered, whether the plan is actually working, and where the journey can be improved.

RESOLVE

Collections quality assurance

Quality-assure collections activity end to end: whether collectors are reaching out the right way, whether the right payment option was offered, whether the plan is actually working, and where the journey can be improved.

RESOLVE

Point-of-acceptance insight

Understand what complaints look like in practice, then surface that insight to handlers at the point of acceptance, so the same issues stop being written into new lending and instances of detrimental lending can be reduced.

REMEDIATE

Point-of-acceptance insight

Understand what complaints look like in practice, then surface that insight to handlers at the point of acceptance, so the same issues stop being written into new lending and instances of detrimental lending can be reduced.

REMEDIATE

Case Studies

Meet the industry leaders working with us

Explore how our innovative solutions have empowered businesses worldwide to achieve their ambitious goals.

Explore how our innovative solutions have empowered businesses worldwide to achieve their ambitious goals.

Towards 360 Quality Assurance with Evlo

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Towards 360 Quality Assurance with Evlo
Winning Gold with NFU Mutual

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