When is further investigation worthwhile?
Not every disagreement is a legal dispute. Investigation may be appropriate if the bank unilaterally changed its interest rate or terms, unexpectedly terminated credit, failed to explain a compensation calculation or did not answer specific questions. Conflicting correspondence, missing records or a decision inconsistent with your risk profile may also justify a closer review.
Which documents are needed?
- The original agreement and applicable terms.
- Annual statements, rate notices and account statements.
- Advice records, risk profiles and meeting notes.
- Complaints, responses and any compensation offers.
- A timeline of key events.
These records help establish what was agreed, whether information and duties of care were observed, and whether a demonstrable financial loss exists.
From complaint to a possible next step
The complaint is normally first submitted to the bank in concrete terms. If no suitable solution follows, proceedings before Kifid or the Dutch courts may be considered, depending on the client and product. Shureluck investigates the facts, identifies missing information and provides a realistic view of prospects, costs and risks.
An initial assessment does not guarantee compensation. The agreement, limitation periods, evidence and the client’s own responsibilities may affect the outcome.
Related topics
Variable interest on consumer credit · Mortgage risk surcharge · Investment management losses
Content reviewed: 22 September 2026.