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.
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 email@example.com
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
Clear Account a brand name of SafetyNet Credit, see below.
Credit Star email@example.com
Dot Dot Loans no email for complaint, you have to write to them or use their contact form
Drafty (sister company to Lending Stream) firstname.lastname@example.org
Early Payday Loans (EPDL) & ECash Window email@example.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 Payday Express
Fast Loan UK firstname.lastname@example.org
Ferratum email@example.com (emails should be sent from your registered email address)
Fortress use the Sunny email
H&T (Harvey and Thompsons) firstname.lastname@example.org
Herbert Brown email@example.com
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: firstname.lastname@example.org
Loan Pig email@example.com
Mini credit If your loan was sold to Kapama/Opos, complain to them: firstname.lastname@example.org . 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 email@example.com
Money Hive firstname.lastname@example.org
Money Platform email@example.com
Money Shop in a Scheme of Arrangement, see below.
Monkey Dosh firstname.lastname@example.org
Month End Money see the Money Shop
Mr Lender email@example.com
My Finance Club firstname.lastname@example.org and put COMPLAINT as the subject
My Jar email@example.com
My Mate now called Different Money
Oasis Finance / Oasis Payday use the Sunny email
Payday Advance a brand name of CFO, see above.
Payday Bad Credit firstname.lastname@example.org
Payday Express / Payday UK / PDUK in a Scheme of Arrangement, see below.
Payday First – see CFO.
Paydayloansnet / PDNET email@example.com
Payday Store – see the Money Shop
Pera Loans firstname.lastname@example.org
Polar Credit a sister brand of CashASAP email@example.com
Provident – see Get a refund for doorstep lending as the complaints are a bit different. Contact details in that article.
Pounds Till Payday part of the Malta-based Northway group, see Swift Sterling loans before December 2015.
Pounds To Pocket firstname.lastname@example.org
Quick Quid email@example.com
Quick Loan Shop firstname.lastname@example.org
Quick Loans Express email@example.com
Quid.co.uk use the Sunny email address
Safeloans no longer trading but complain to firstname.lastname@example.org
Safetynet Credit email@example.com
Smart Pig firstname.lastname@example.org
Speedloan see Herbert Brown
Speedy Cash part of the Wageday Advance group, now in administration. Use the link below for Wageday Advance.
Stagemount see Quidmarket
StepStone Credit email@example.com
Street UK see Track Loans
Sunny firstname.lastname@example.org (if you are complaining about another brand, make it clear which one)
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
Swift Sterling loans from 2016 onwards these loans are from a different UK lender email@example.com
Tappily (a sister brand to SafetyNet Credit): firstname.lastname@example.org
The One Stop Money Shop (not related to The Money Shop): email@example.com
The Quick Loan Shop firstname.lastname@example.org
Think Finance – use the email for Sunny
Tick Tock email@example.com
TM Advances firstname.lastname@example.org
Toothfairy – in administration, see below.
Track Loans email@example.com
Txtloan – a trading name of MyJar so firstname.lastname@example.org
Txt Me Cash – see Cash Genie
Uncle Buck email@example.com
Wage Day Advance now in administration – the deadline for complaints has passed.
Wonga in administration – the deadline for complaints has now passed.
Zebit trading name of Lending Stream so firstname.lastname@example.org
1 month loan / 1 month money use the Sunny email
247 Moneybox email@example.com
Payday lenders in administration or already liquidated
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 – in a Scheme of Arrangement – this is like administration. 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 seem to 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:
- Cash Genie; Cheque Centre (and Square Today); CFO; 1st Stop; 321 Cash; Bonga Loans; Cash Choice; Cash365; Different Money; Easy Finance Club; Forces loans (V Gates); Handycash; Lifeboat loans; Money In Advance;Mini Credit; Open Door Loans; Perfect Payday; Pick A Payday; Pixie; Pogo Loans; Prime Payday; Purple Payday; Quid24; Speed Credit; Speed-e-loans; Speedy Dosh; 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.
For doorstep lenders such as Provident and Morses, see Get a refund for unaffordable doorstep lending.
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!