If you want to get a refund for “unaffordable” payday loans, the first step is to complain to the lender. Often it’s simple as the lender has a Complaints section on their website, but some have been taken over or the website isn’t there any more, so here is a list.
For full details about how to complain, including template letters, see:
Cash 365 – no longer trading, try email@example.com and talk to the Financial Ombudsman if that doesn’t work
Cash 4 U Now firstname.lastname@example.org (put COMPLAINT in the email title)
Cash Converters email@example.com
Cash Float firstname.lastname@example.org
Cash Generators use the contact form on their website
Cash Genie email@example.com talk to the Financial Ombudsman if your emails bounce back
Cheque Centre firstname.lastname@example.org
CFO (Capital Finance One) customer.relations@
Different Money email@example.com
Early Payday Loans (EPDL) now part of ECash Window
ECash Window firstname.lastname@example.org
Express Finance email@example.com
Fancy a payday firstname.lastname@example.org
Ferratum email@example.com (emails should be sent from your registered email address)
Fortress an Elevate brand name, use the Sunny email
H&T (Harvey and Thompsons) firstname.lastname@example.org
Herbert Brown email@example.com
Ladder Loans now taken over, see the Money Shop
Lending Stream firstname.lastname@example.org
Liquid Advance no longer trading. Try their debt collectors: Capital Resolve debt collectors, they have handled one reader’s complaint: email@example.com
Loans4U / Loans4You the FCA issued a warning that this lender was unauthorised. As a result any complaints can’t be taken to the Ombudsman.
Microlend Now out of business. One reader has reported being told by the Ombudsman that the administrators of Victoria Parsons Limited say there is no money to pay any refunds.
Minicredit complain to Opos firstname.lastname@example.org Opos are taking the complaints and then passing them on to their sister company Kapama.
Money Boat email@example.com talk to the Financial Ombudsman if your emails bounce back
Money In Advance, no longer trading, try firstname.lastname@example.org and talk to the Financial Ombudsman if that doesnt work
Money Shop email@example.com
Monkey Dosh firstname.lastname@example.org
Month End Money part of the PDUK group
Mr Lender email@example.com
My Jar firstname.lastname@example.org
My Mate now called Different Money
Oasis Finance / Oasis Payday an Elevate brand name, use the Sunny email
Payday Express / Payday UK / PDUK email@example.com These are very slow at responding – there are reports that you can get a Statement of Account if you phone 0800 280 2548. If you aren’t getting replies to your emails at that address, try firstname.lastname@example.org
Pounds Till Payday part of the Malta-based Northway group, see Swift Sterling
Pounds To Pocket email@example.com
Quick Quid firstname.lastname@example.org
Quid.co.uk part of the Elevate group, use the Sunny email address
Safeloans no longer trading but complain to email@example.com
Speedloan see Herbert Brown
Speedy Cash UKComplaints@SpeedyCash.com
Stagemount see Quidmarket
Sunny firstname.lastname@example.org (if you are complaining about another Elevate brand, make it clear which one)
Swift Money Complaints@SwiftMoney.com
Swift Sterling email@example.com (Malta based – see Swift Sterling & Pounds Till Payday article for more details)
Think Finance – previous limited company name for some of the Elevate brands, use the email for Sunny
Toothfairy – in administration, the email address on the FCA register doesn’t work. If you contact the Financial Ombudsman with your complaint, the FO will send it on to the Adminstrator.
Trusted Quid firstname.lastname@example.org
Txtloan – a trading name of MyJar so email@example.com
Uncle Buck firstname.lastname@example.org
Wage Day Advance email@example.com
Zebit trading name of Lending Stream so firstname.lastname@example.org
1 month loan / 1 month money an Elevate brand name, use the Sunny email
1st Stop email@example.com
24-7 Moneybox firstname.lastname@example.org
Anything missing or wrong?
If there is a missing lender, or you think one of these addresses is wrong, please leave a Comment at the bottom of this article.
A good place to try try to track down old lenders is the FCA Register, as this lists firms brand names as well as their company names and also sometimes shows details for firms that have ceased trading.
If you still aren’t having any luck, then try the Financial Ombudsman’s complaints line – they are very friendly!
What if the lender ignores your email?
If you don’t get some form of acknowledgement within a few days, I suggest sending another email asking them to confirm they have received your previous email. If you don’t get any reply within a week, I suggest phoning them or use a “Live chat” facility on their website.