Letter to get a loan fee refunded when the loan hasn't been received by Citizens Advice
Updated 3 November 2025
The Citizens Advice template letter to get a loan fee refunded when the loan hasn't been received helps consumers reclaim fees if a loan isn’t arranged within six months. It is part of Citizens Advice’s widely trusted library of open, lawyer-vetted letter templates.
Letter to get a loan fee refunded when the loan hasn't been received
[sender name]
[sender address line 1]
[sender address line 2]
[sender email]
[sender phone]
[recipient name]
[recipient address line 1]
[recipient address line 2]
[letter date]
To whom it may concern,
Consumer Credit Act 1974 (as amended)
On [application date] I applied for a loan of [requested loan amount] to be arranged by your company for a fee of [arrangement fee]. To date, no loan has been arranged.
Under s155 of the Consumer Credit Act 1974, if no loan has been entered into within 6 months, I am entitled to a refund of the fee I have paid, less £5 which you are entitled to keep for your administrative costs.
I therefore require that you refund the amount of [arrangement fee] less £5 within [number of days] days.
Yours faithfully,
[sender name]
About this template
What is this template?
Letter to get a loan fee refunded when the loan hasn't been received by Citizens Advice is a free, ready-to-use Consumer law template you can open, customize, and download on GitLaw. It gives you a professionally structured starting point, so you never have to draft from a blank page. The wording is plain and modern, organized into clear sections that are easy to read, edit, and adapt to your own situation before you share or sign it.
When should you use it?
Reach for this Consumer law template whenever you need a reliable agreement quickly and want to be sure the essentials are covered. It suits individuals, freelancers, startups, and established businesses alike. Instead of paying for a document drafted from scratch, you can start here, tailor the details to your arrangement, and have a polished draft ready in minutes. This version is drafted with England & Wales in mind, though you should always review the final wording against the laws that apply to you.
What's typically included?
A well-drafted Consumer law usually sets out the parties involved, the scope of the agreement, and each side's rights and responsibilities. Expect sections covering key terms and definitions, how long the agreement lasts, how it can be ended, and what happens if something goes wrong. This template brings those building blocks together in a sensible order, so you can focus on the specifics rather than worrying about what to include. Open it to read the full document, then sign up to edit, negotiate, and e-sign it directly in GitLaw.