Debt Camel

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Payday lenders – email addresses for complaints

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 anymore, so here is a list of their email addresses.

For all these emails put AFFORDABILITY COMPLAINT as the subject of the email.

If you haven’t already seen it, read and bookmark Can I get a payday loan refund?

That page has the template letters for complaints and it also looks at the most common things that happen, such as whether you should accept an offer or take the case to the Financial Ombudsman.

High Cost Short Term lenders – “payday lenders”

Anico Finance info@anicofinancialservices.com
Auden complaints@auden.co.uk
Bingo loans info@bingoloans.co.uk  They are a lender and a broker. If they referred you to another lender, you should complain to that lender.
Cash 4 U Now info@cash4unow.co.uk
CashASAP complaint@cashasap.co.uk
Cash Converters customerservices.uk@cashconverters.com
Cash Float complaint.handling@cashfloat.co.uk
Cash Generators  use the contact form on their website and put AFFORDABILITY COMPLAINT in capitals at the start of the message
Cash On Go see Peachy
CashPlus complaints@apsgroup.com
Clear Account a brand name of SafetyNet Credit, see below.
Credio info@credio.co.uk
Credit Star complaints@creditstar.co.uk
Dot Dot Loans  no email for complaint, you have to write to them or use their contact form
Drafty (sister company to Lending Stream) complaints@drafty.co.uk
Early Payday Loans (EPDL)  &  ECash Window customercare@ecashwindow.com in administration but in February 2019 some readers were still getting refunds
Everyday Loans see Large Bad Credit lenders below.
Express Finance and Express Finance (Bromley) see Money Shop
Fast Loan UK complaints@fastloanuk.co.uk
Fernovo complaints@fernovo.co.uk
Ferratum customercare@ferratum.co.uk (emails should be sent from your registered email address)
Fortress use the Sunny email
H&T (Harvey and Thompsons)  complaints@handt.co.uk
Herbert Brown  complaints@albemarlebond.com
Instamoni complaint@instamoni.com
In-Sync  ics.complaints@in-syncgroup.com
Kabayan simon.roberts@kbnfinance.co.uk
Ladder Loans  see the Money Shop
Lending Stream has switched off its complaints emails. You have to use their web form here. Read Lending Stream stops customers complaining by email for what you can do if you think this is poor behaviour from a big lender.
Liquid Advance no longer trading. Try their debt collectors: Capital Resolve debt collectors, they have handled one reader’s complaint:  complaints@capitalresolve.com
Loan Pig info@loanpig.co.uk
Mini credit If your loan was sold to Kapama/Opos, complain to them: complaints@oposlimited.com . If it wasn’t then you can talk to the Ombudsman but so far as I know Mini Credit has gone bust.
Miss Payday Customercare@Miss-Payday.co.uk
Money Boat complaints@moneyboat.co.uk
Money Hive info@themoneyhive.co.uk
Money Platform kevin@themoneyplatform.com
Money Shop in a Scheme of Arrangement, now too late to put in a complaint.
Monkey Dosh complaints@monkeydosh.com
Month End Money see the Money Shop
Mr Lender Send your complaint to both  complaintsml@mrlender.co.uk and complaints@mrlender.co.uk. If you don’t get an acknowledgement in a week, phone them up and ask if they have received it.
My Finance Club  support@myfinanceclub.com and put COMPLAINT as the subject
My Jar generalcomplaints@myjar.com
MyKredit  info@myKredit.com
NextCredit in administration but still send complaints to  info@nextcredit.co.uk
Oasis Finance / Oasis Payday use the Sunny email
Oakam complaints@oakam.com
OnStride see QuickQuid
Payday Bad Credit complaint.handling@westerncircle.co.uk
Payday Express / Payday UK  / PDUK see Money Shop.
Paydayloansnet / PDNET complaint.handling@paydayloansnet.co.uk
Payday Store – see the Money Shop
Peachy  now in administration but complaints can still be sent to complaints@peachy.co.uk
Pera Loans complaint.handling@peraloans.co.uk
Piggybank now in administration but complaints can still be sent to complaints@piggy-bank.co.uk
Polar Credit a sister brand of CashASAP complaint@polarcredit.co.uk
Provident – see Get a refund for doorstep lending as the complaints are a bit different. Contact details in that article.
Pounds Till Payday see Swift Sterling
Pounds To Pocket see QuickQuid.
Quick Quid now in administration but complaints can still be sent to complaint@quickquid.co.uk
Quick Loan Shop info@thequickloanshopltd.co.uk
Quick Loans Express complaint.handling@quickloansexpress.co.uk
Quid.co.uk use the Sunny email address
Quidie complaints@quidie.com
QuidMarket customercare@quidmarketloans.com
Safeloans no longer trading but complain to  customercomplaints@sllcapital.co.uk
Safetynet Credit complaints@safetynetmail.co.uk
Savvy info@savvy.co.uk
Satsuma onlinecustomercare@satsuma-loans.co.uk
Smart Pig team@smart-pig.com
Speedloan see Herbert Brown
Speedy Cash now in administration – the deadline for complaints has passed. 
Stagemount see Quidmarket
StepStone Credit customerservice@stepstonecredit.co.uk
Street UK see Track Loans
Sunny  now in administration but you can still send a complaint to  help@sunny.co.uk
Swift Money Complaints@SwiftMoney.com
Swift Sterling loans before December 2015, these were from a Malta-based – see Swift Sterling & Pounds Till Payday article for more details as the procedure is not the same as for UK lenders. So far as I know it is now too late to make claims about these old loans.
Swift Sterling loans from 2016 onwards these loans are from a different UK lender. Now in administration, don’t send a complaint emil instead enter your claim on this page: https://www.swiftsterling.co.uk/Claims/Claims
Tappily (sister brand to SafetyNet Credit): complaints@tappilymail.co.uk
The One Stop Money Shop (not related to The Money Shop): apply@theonestopmoneyshop.co.uk
The Quick Loan Shop info@thequickloanshopltd.co.uk
Think Finance – use the email for Sunny 
THL payday@thl-uk.com
Tick Tock customerservice@ticktockloans.com
TM Advances info@tmadvances.co.uk
Track Loans loans@trackloans.co.uk
Txtloan – a trading name of MyJar so complaints@myjar.com
Uncle Buck in administration but still send complaints to info@unclebuck.tv
Wage Day Advance now in administration – the deadline for complaints has passed. 
WageMe customer.services@wageme.com
Wizzcash complaints@wizzcash.com
Wonga in administration – the deadline for complaints has now passed.
Zebit trading name of Lending Stream so complaints@lendingstream.co.uk
Zippa complaints@zippa.com
1 month loan / 1 month money use the Sunny email
100Pounds support@skyquid.co.uk
247 Moneybox now in administration but complaints can still be sent to customer.services@247moneybox.com

Payday lenders in administration or already liquidated

Sunny, QuickQuid, 247 Moneybox, Piggybank, Swift Sterling, Nextcredit, Peachy, Uncle Buck – these firms have only recently gone into administration, you can still send complaints in, see above for the email addresses of the claims page.

Wonga  – the deadline to submit claims has now passed, see  Latest news on refunds from Wonga for details.

Wageday Advance (and Speedy Cash) – the deadline to submit claims has now passed, see Wageday Advance – Latest News.

Money Shop, Payday UK, Payday Express – the deadline to submit claims has now passed, see Money Shop – Latest news for details.

The following other firms have also stopped trading and/or may be in administration –  the process of gone bust!

  • Microlend; Toothfairy; Capfin (Ecash Window & EPDL); Trusted Quid; Fancy a payday; Response Lending

If you are just starting a claim against any of these you need to be aware that there may be no money to pay any redress. If you have a small claim you may decide it’s not worth bothering with. If your claim is large, you should talk to the Financial Ombudsman to see what you should do, if any anything.

The following firms have disappeared, or have been dissolved (they no longer exist or have any assets) or the administrators are not accepting any more complaints,  and I don’t think the Ombudsman is taking new complaints. If you have an existing claim in with the administrators you may get a small amount back:

  • Access fast Money; Cash Genie; Cheque Centre (other brand names the Loan Store & Square Today); CFO (other brand names Payday First, Flexible First, Money Resolve, Payday Advance); 1st Stop;  321 Cash; Bonga Loans; Cash Choice; Cash Store; Cash365; Dosh Loans; Different Money (previously called My Mate); Easy Finance Club; Forces loans (V Gates); Handycash; Lifeboat loans; Money In Advance; Mini Credit; Open Door Loans; Payday First; Payday Overdraft; Perfect Payday; Pick A Payday; Pixie; Pogo Loans; Prime Payday; Purple Payday; Quid24; Speed Credit; Speed-e-loans; Speedy Dosh; Txt Me Cash; Umbrella Loans; Vivus.

There are literally dozens of payday lenders that have gone without trace. The above are just some of the ones people have asked about. There are also lenders who were never authorised such as Loans4U / Loans4You who you can’t take a complaint to the ombudsman about.

I can’t be sure the info I have is accurate so the safe thing is for you to talk to the ombudsman about these firms.

Affordability complaints to other bad credit lenders

Lenders giving larger loans, including car finance & logbook loans

These typically have APRs of under 100% – but because the loans are larger and for longer the interest can be huge. The same affordability rules apply to them as payday lenders but the suggested template letter is different. And you can not stop making payments to a logbook loan while your complaint is going through.

For contact details for lenders such as Avant Credit, Bamboo Loans, Everyday Loans, Likely Loans, Moolr, On Stride, Savvy and 118 118 Money, and logbook lenders such as Varooma, Mobile Money and Loans 2 Go see Refunds from large, high cost, bad credit loans and logbook loans.

Doorstep lenders

For doorstep lenders such as Provident and Morses, see Get a refund for unaffordable doorstep lending.

Guarantor lenders

For Amigo and other guarantor lenders, see How borrowers can get refunds from a guarantor loan OR Complaints by guarantors.

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 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!

THE COMMENTS BELOW THIS ARTICLE ARE FOR DISCUSSING HOW TO CONTACT A LENDER

FOR GENERAL QUERIES USE THE COMMENTS ON THE MAIN PAYDAY LOAN REFUND PAGE – THANKS!

More Debt Camel articles:
Payday Loan Refunds

How to ask for a payday loan refund

Examples of gambling & payday loan refunds

Examples of gambling & payday loan refunds

Payday loans? 3 reasons not to use a claims firm

Payday loans? 3 reasons not to use a claims firm

Author: Sara Williams Tagged With:

Comments

  2. Lucas C says

    Hello :) Since Moneyshop is heading for closure and they don’t do loans anymore should i fill the claim against them or wait for the voting results and possible refund? I had few loans with Payday uk, money shop etc.

    Reply

    • Sara (Debt Camel) says

      no they aren’t. they went into administration. You need to talk to FOS to see if a complaint against them is worth pursuing.

      Reply

  10. Ellie says

    Hi there, I have been going through all my bank statements over the last 7 year and found payment going into my account noted SPEEDCREDIT. Does any one have any idea which loan company that would be or how I could find out? Any help would be great 😊

    Reply

    • Sara (Debt Camel) says

      I think that was a brand of MCO Capital which was shut down by the regulator in 2012. If so, there is no chance of any refund, it is long gone.

      Reply

  11. Anzzzz says

    I had a decent offer from EPDL for two loans recently, but for some reason they are declining to add a third loan from 2007. What can I do to make them accept this also ? Apparently I have 7 days to answer or give more info..

    Reply

    • Sara (Debt Camel) says

      They are in administration. Unless there is some evidence you have about your finances in 2007 – which sounds unlikely – there may be nothing you can do.

      Reply

      • Anzzzz says

        Thanks Sara. I’m dealing with pwc the administrator. All I have sent them is the two claim forms about the two loans in 2012, and then found out from pwc that they also realised I had one in 2007. I tried to claim a little more as I had a feeling I had an old one. How come they can accept two from 2012 but not the 2007 one ? All loans were paid back in full.

        Reply

  13. Karen H says

    Hi Sara

    I’ve taken out loans with Payday express & Payday UK in the past. Are these companies still trading or in administration? Had a few loans with them & thinking might be worth trying to get some redress from them.
    Thanks for all your help on here

    Reply

  14. Simon says

    Hi Sara,

    Great website, I’ve used it a few times for contact details for companies and to find out that moneyshop were in administration nad hadn’t contacted me.

    There are some companies I had loans with around 2010/2011 and have tried to contact them to request details of my accounts but contact details I have from old emails do not work and I can’t find anything online about them. I’ve looked at your list but can’t see them there either so I am hoping you can help.

    Pounds2day, Debitcardloans.co.uk, Paydayloansltd.co.uk, Chequebookloans.co.uk

    Also 1ststoploans or 1st stop finance. They say they have no info about me whatsoever and inititally said it must be different company but the contact details I have from the loan are the same as on their site now. Can I still complain and if so how, if they say they cannot see any info about me at all?

    Albermarle & Bond who I heard were selling to H & T but cannot find any current pages online about it. Who would I request info from for Albermarle loans? Also I am unsure if I paid them off due to financial circumstances, what would happen if I had not paid them off fully and I contact them for info after all this time? I have already won a complaint with H & T for their own loans recently.

    Thanks for your help,

    Simon

    Reply

  15. Mel says

    Hi,

    Does anyone know what happened to Different Money and how I would go about a complaint to them? I see them referenced in the list but no contact details.

    Reply

  16. Esopa says

    Hi Sara,

    this website has been a godsend but cant seem to find any information or contact details for INSTANT CASH LOANS.
    any help?

    Reply

  17. emma says

    Hello what happened to vivus loans please? Also if you have an outstanding loan with company but also had previous loans out and paid them back continuous one after the other can you apply for a refund, where do you stand thank you so much for reading

    Emma

    Reply

  19. Chazzlebazzle says

    I have a old complaint against Welcome Finance, are there any details available & what is my chance of success.

    Reply

  20. Keith says

    Do you know if credio has creased trading in the UK? I made an affordability complaint exactly 8 weeks ago but I have noticed that on their website it states “ Casbhridge Corporation Ltd t/a Credio is currently not operating in the UK market” Not sure what to do now? Any advise would be much appreciated

    Reply

    • Sara (Debt Camel) says

      They still seem to be FCA authorised.

      I suggest you phone 020 3290 6076 and ask what has happened to your complaint.

      Reply

  21. Alex F says

    Sara, this website is brilliant. Thus far, every single company has final lettered me stating not upholding my complaint, bar one – Safety net credit, which has offered to pay me back my interest of £105.

    I have referred the majority to the financial ombudsman, Uncle Buck, QQ, Sunny, Satsuma, you name it. I’ve had some 60 plus loans with these companies over the years.

    I have also referred unsecured loans from 118, and Bamboo loans. What is your experience of people getting money back through these sort of companies?

    Reply

    • Sara (Debt Camel) says

      Lots of people have won complaints against 118 and Bamboo, but they are slow. If you have financial problems at the moment and owe balances to these companies, I suggest you look at a Debt management plan while the complaints go through

      Reply

  23. Jess says

    Hi, I’ve had quite a long winded email back from Fernovo not accepting my claim and details different aspects how I always repay debts back which I do to try and get my credit file up. I’m not sure where to go with. How do you refer to financial ombudsmen? I don’t no if to. I had 11 loans since October 18, I usually get loans for 3 months that’s why there isn’t that many.

    Reply

    • Sara (Debt Camel) says

      that sounds like a lot of 3 month loans – there can’t have been many gaps.
      Fernovo will often negotiate if you go back and say what you would be prepared to accept. Do you still owe them anything?
      Would you like list the size of your loans on order, so 200, 300, 250, 300 etc?

      Reply

    • Jessica says

      Hi Sarah

      14.10.18 – loan £100 repaid £108.33
      06.11.18 – loan £150 repaid £175.90
      07.12.18 – loan £250 repaid £291.82
      04.02.19 – loan £250 repaid £293.05
      10.03.19 – loan £200 repaid £221.78
      06.04.19 – Loan £200 repaid £224.75
      02.06.19 – Loan £150 repaid £196.26
      31.08.19 – loan £150 repaid £196.75
      02.01.20 – loan £100 repaid £129.77
      31.01.20 – Loan £200 repaid 290.38
      Then my current loan of £200 which I haven’t made any loan repayments to as of yet. As a ‘goodwill gesture for always repaying loans back’ they agreed to remove interest from the last loan so pay in full and remove all loans from credit file
      I’ve always repaid on time. They also put and underlined ‘ All these facts prove you were not in a spiral of debt, and certainly not due to the loans you received from us.’ as well as other comments. I do agree but I had around 9/10 payday loans from
      Satsuma, sunny, uncle buck, moneyboat, cashfloat
      £1500 overdraft I live in. £1000 Vanquis aswell as other credit debts. I don’t want to bring this to the ombudsman as it’s not a lot of interest. Can you think of what I can say to go forward?

      Reply

      • Sara (Debt Camel) says

        I suggest you reply something like “WhenI kept borrowing from you, you should have looked at my credit record. You would have seen my other debts were getting worse and your debts contributed to this. If I go to the Ombudsman I expect I will get refund from after loan 4, possibly loan 5. A refund from after loan 6 would be £213 which would clear my current debt – so as a compromise I am prepared to accept that, plus loans 6 onwards being removed from my credit record.”

        Reply

  24. Laura says

    Hi Sara, do I need to send these companies copies of my bank statements at the times I took the loans out? As that is what I have been asked to do in the initial response to my complaint.

    Thanks

    Reply

  25. Hazel says

    I have had an email regarding repayment of a loan from Instant Cash Loans Ltd trading as Payday Express how do I go about contacting them as it says they are in an agreement ?

    Sorry if that doesn’t make sense

    Thanks Hazel

    Reply

      • Hazel says

        I am not sure I just seen it on here wasn’t sure how to go about it

        Copied from the list “ Payday Express / Payday UK / PDUK in a Scheme of Arrangement,”

        Thanks

        Reply

        • Sara (Debt Camel) says

          oh you mean they are in a Scheme of Arrangement? Sorry I didn’t understand.

          Have you put in an affordability complaint?

          Reply

  26. Glen says

    Just a quick question on any experience with Mr Lender.
    I sent them a complaint in March and haven’t heard a dicky bird from them, are they still going?

    Don’t really want to send it up the line but feel it’s getting to that stage.

    Anyone had dealings with them?

    Reply

    • Sara (Debt Camel) says

      yes they are – why not ring them up and ask? If they say they don’t accept complaints by email, say you never had a bounce back from the email you sent to the Ombudsman will treat this as having been validly sent and say your case goes to the Ombudsman in a week if they haven’t given you a a suitable offer.

      Reply

  27. Craig parton says

    How do I go about trying to claim a refund from Amigo loans,if I’ve paid the loans off by taking a remortgage.
    One loan was in my name,one was in my wife’s name,the email address for amigo isn’t on the list

    Reply

    • Sara (Debt Camel) says

      they were a brand name of CFO who went into administration years ago. Too late to make a claim.

      Reply

  30. Steve says

    Hi
    I am trying to trace / recall a payday loan company based in Slough operating around 2010. I think they were called PDL, (the payday loan company), or something like that, they were definitely based in Slough, berks, all I remember, anyone else take a loan out with them, or these details jog anyone else’s memory, what the compnay might of been called?

    Reply

  31. seg says

    Does anyone know if you can put a claim in against Opos – previously minicredits?
    Opos are collecting money from me since years. Minicredits sold my debt to them. They also report on my credit file !!!!!

    Reply

    • car says

      i would be very careful with opps they offer you a reduced settlement to close the account this is a scam to get you to pay and they still chase you as they wont provid it in email or letter obviously i made them aware of there tick then they wipped my balnce and left me alone as i founfd out by they way the was trying to conn me on phone so i would be very very carefull

      Reply

  32. Jade says

    Hi Sara

    Thank you for all the info you provide through your website. Do you know if you can make an affordability complaint for a ‘Start Up’ Business Loan (https://www.startuploans.co.uk/) these were issued through Street UK which I have seen on your list (advised to look at Track Loans?) although this isn’t a payday loan or similar? TIA

    Reply

  33. Lou7 says

    Hi all,
    I had a loan with Ferratum and it was passed on to CRS which was then paid through stepchange. Now Ferratum have come back to me and said that I owed a balance of £1,274. I explained to them about the complaint and now they are saying I owe £324 and it’s with Opos. I asked why CRS balance was 0 but they didn’t answer that question and kept sending texts and emails saying I had to pay the balance immediately. Is there any way of proving otherwise?

    Reply

  34. Amy says

    Hi Sara ,

    Do you know if there is a way of putting a complaint in for Hitachi loans and Zopa loans please , my partner has had a a few loans and never once did he show any information on his income , also he had a really bad gambling problem which had been stopped now but he could not afford to pay back nearly £300 a month on each of these loans without getting into more debt .

    Reply

  35. Irene evans says

    Hi ive had quite a few provideng loans and shopacheck,but not sure if I would be able to claim as was years and years ago.

    Reply

  36. Rosie says

    I have a current loan with ‘ Saftey net credit’ it was 250 and then they gave me an increase too 320. Even though I have bad credit and struggling with finances at this time. They’ve still gave me a credit limit. Is there a template I can use to complain thanks

    Reply

  37. Leah says

    Hi,
    I am trying to make a complaint to Ferratum but each time I have a bounce back from Postmaster saying there’s an error and email wasn’t delivered. I am sending it from my registered email. Any ideas?
    Thank you!

    Reply

  39. Rob says

    Hi,

    I recently made an affordability claim with Mr Lender. I have to admit they were very efficient at responding to my complaint, just 1 day in fact. I had 5 loans with them, and they advised that in line with the FOS precedent, they were willing to refund the interest and charges from the 5th loan only at around £150… I was surprised to say the least and accepted the offer, which I was told had been passed to their accounts team to process. Shortly after, I find this amazing website! Do you think I am able to (or is it worthwhile) quickly sending another email to dispute this offer and hold out for the 4th loan fees as well?

    Thanks in advance

    Reply

  40. John says

    Hi. I had quiet a few different payday loans with different companies. How can I find out who I had them with now after so long ?

    Reply

  41. John says

    I had payday loans with the money shop.when I didn’t pay them back as I couldn’t afford them. The sent them off to a debt collector. Who I had to pay back over £1100.00 .i have noticed the money shop along with other companies that have gone into liquidation. As there anyway or anywhere I could claim my payments back.? As I had other loans that was tied in with the money shop too.i would be great full for any advice please. Thanks John.

    Reply

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