What is an unaffordable Doorstep Loan?
The Financial Regulators explains that a loan is unaffordable if you could not make the repayments without borrowing again. This could be borrowing from the same lender or from someone else. Such a cycle could push you deeper into debt or result in you being unable to pay a "priority bill" such as a utility bill,mortgage or rent.
Even if you have always paid your Provident/Morses Club or other door step loan on time, it could still have been unaffordable.
If the lender had realised the loan was unaffordable, they should not have given it to you. Where this is the case you are entitled to a refund of the interest you paid.
It is important to note that paying your bills on time does not mean it was affordable. You need to look at your wider financial situation and circumstances when consdiering whether your loan was affordable not only in the short term but also in the long term.