Start Up LoanBorrower Rights

Build your evidence timeline.

A clear chronological timeline of events is one of the most persuasive things you can include in a complaint letter, MP briefing, or court claim. Add events below and export when ready.

Your timeline is saved automatically in your browser. It does not leave your device — nothing is sent to any server. Use the export button to copy your timeline as plain text to paste into letters or documents.

Add an event

Examples of what to include
  • Date loan was taken out and the amount
  • Date payments were last made on time
  • Date you first experienced financial difficulty
  • Date you contacted / tried to contact the lender
  • Date you disclosed a vulnerability or health condition
  • Date of last contact from the lender before a gap
  • Date a default appeared on your credit file
  • Date you received a default notice (or did not receive one)
  • Date you received a remediation letter
  • Date you submitted a formal complaint
  • Date you received / did not receive a Final Response Letter
  • Date you referred to FOS and any response

How to use your timeline effectively

In a complaint letter

Paste the timeline into your complaint as a section headed "Chronology of events." A factual, dated account of what happened is more persuasive than a narrative description alone.

In an MP briefing

MPs receive many constituent letters. A clear timeline at the start of your briefing helps them understand your case quickly and brief their staff to write on your behalf effectively.

In a court claim

For small claims, a dated chronology of events is part of your "particulars of claim." Keep it factual, precise, and referenced to documents where possible.

Gaps in contact

If there was a long period of no contact from your lender, add an entry for the last contact you received and another for when the silence ended. The gap itself is significant evidence.

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Template Letters

Paste your timeline into a ready-made complaint, MP briefing, or pre-action letter.
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Routes If Things Go Wrong

Understand which escalation route your timeline best supports.