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.

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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
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  customerservices@dotdotloans.co.uk put COMPLAINT as subject
Drafty (sister company to Lending Stream) complaints@drafty.co.uk
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)
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
Lending Stream has switched off its complaints emails. You have to use their web form here. 
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
Miss Payday Customercare@Miss-Payday.co.uk
Money Boat complaints@moneyboat.co.uk
Money Hive info@themoneyhive.co.uk
Money Platform kevin@themoneyplatform.com
Monkey Dosh see My Finance Club and put compliant about Mokey Dosh in the subject line
Mr Lender Send your complaint to both  complaintsml@mrlender.co.uk and complaints@mrlender.co.uk. If you don’t get an acknowledgment 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
Myjar now in administration but send complaints to  myjar@harrisons.uk.com with CLAIM as the subject.
MyKredit  info@myKredit.com
NextCredit in administration but still send complaints to  info@nextcredit.co.uk
Oakam complaints@oakam.com
Payday Bad Credit complaint.handling@westerncircle.co.uk
Paydayloansnet / PDNET complaint.handling@paydayloansnet.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
Quick Loan Shop info@thequickloanshopltd.co.uk
Quick Loans Express complaint.handling@quickloansexpress.co.uk
Quidie see Fernovo above. Make it clear in your complaint that you are complaining about a Quidie loan.
QuidMarket help@quidmarket.com
Safeloans no longer trading but complain to  customercomplaints@sllcapital.co.uk
Safetynet Credit complaints@safetynetmail.co.uk
Savvy info@savvy.co.uk
Satsuma make a claim to the Scheme, see Provident/Satsuma Scheme 
Smart Pig team@smart-pig.com
Speedloan see Herbert Brown
Stagemount see Quidmarket
StepStone Credit customerservice@stepstonecredit.co.uk
Street UK see Track Loans
Swift Money Complaints@SwiftMoney.com
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
THL Direct info@thl-uk.com
Tick Tock customerservice@ticktockloans.com
TM Advances info@tmadvances.co.uk
Track Loans loans@trackloans.co.uk
Txtloan – see MyJar
Wageday Advance they went bust! But a new lender now uses this name so if for loans from 2020 complain to complaints@wagedayadvance.co.uk
WageMe customer.services@wageme.com
Wizzcash complaints@wizzcash.com
Zebit trading name of Lending Stream, see above for how to complain.
Zippa complaints@zippa.com
100Pounds support@skyquid.co.uk
247 Moneybox now in administration but complaints can still be sent to customer.services@247moneybox.com

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Payday lenders in administration or already liquidated

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

QuickQuid, Onstride, Pounds to Pocket, Wonga, Wageday Advance (Curo), Sunny (Elevate), Peachy (Cash on Go), the Money Shop, PaydayUK , Payday Express  – the deadline to submit claims has now passed.

Uncle Buck – there are no funds for distribution to customers whose loans have been settled.

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; Bonga Loans; Capfin (other brand names Ecash Window & EPDL); Cash Genie; Cash Choice; Cash Store; Cash365; Cheque Centre (other brand names the Loan Store & Square Today); CFO (other brand names Payday First, Flexible First, Money Resolve, Payday Advance);  Dosh Loans; Different Money (previously called My Mate); Easy Finance Club; Forces loans (V Gates); Handycash; Lifeboat loans; Microlend; 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; Response Funding (other brand name Fancy a Payday); Speed Credit; Speed-e-loans; Speedycash; Speedy Dosh; Swift Sterling loans before December 2015 – these were from a Malta-based lender and it is now too late to make claims about these old loans; Swift Sterling loans from 2016 onwards these loans were from a UK lender where it is too late to make a claim in administration; Toothfairy; Trusted Quid; Txt Me Cash; Umbrella Loans; Vivus; 1st Stop;  321 Cash;

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.

The info here may not be up to date. so the safe thing is for you to look in the company’s website to see how to make a complaint or what form to complete if the lender is in administration.
If you can’t locate the website, talk to the Financial Ombudsman about these firms.

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Affordability complaints to other bad credit lenders

For Provident see Provident Scheme – what you might get and submit a claim.

For Amigo see Amigo’s Proposed Scheme – derailed! – at the moment it is not known what will happen to Amigo complaints

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 or car finance 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 Morses and Loans at Home, see Get a refund for unaffordable doorstep lending.

Guarantor lenders

For guarantor lenders such as UK Credit, Geroge Banco and TFS  see How borrowers can get refunds from a guarantor loan OR Complaints by guarantors.

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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!