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.
Payday lenders
Cash 365 – no longer trading, try terryohare@cash365.com and talk to the Financial Ombudsman if that doesn’t work
Cash 4 U Now info@cash4unow.co.uk (put COMPLAINT in the email title)
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
Cash Genie complaint@cashgenie.co.uk in administration, see below.
CashPlus complaints@apsgroup.com
Cheque Centre customerservice@chequecentre.co.uk
CFO (Capital Finance One) customer.relations@
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
Different Money in administration, see below.
Early Payday Loans (EPDL) now part of ECash Window
ECash Window customercare@ecashwindow.com
Everyday Loans complaints@everyday-loans.co.uk
Express Finance and Express Finance (Bromley) see Payday Express
Fancy a payday info@fancyapayday.co.uk now changed name to Response Lending, see below
Fast Loan UK complaints@fastloanuk.co.uk
Ferratum customercare@ferratum.co.uk (emails should be sent from your registered email address)
Forces loans info@forcesloans.co.uk
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 now taken over, see the Money Shop
Lending Stream complaints@lendingstream.co.uk was their old email address, now they have a new one payments@lendingstream.co.uk
Liquid Advance no longer trading. Try their debt collectors: Capital Resolve debt collectors, they have handled one reader’s complaint: complaints@capitalresolve.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.
Lolly sales@egouk.co.uk
Microlend in administration, see below.
Minicredit If your loan was sold to Kapama/Opos, complain to them: complaints@oposlimited.com . If it wasn’t then Minicredit is in administration (see below).
Miss Payday Customercare@Miss-Payday.co.uk
Money Boat complaints@moneyboat.co.uk
Money Hive info@themoneyhive.co.uk
Money In Advance, no longer trading, try daryl.thorpe@moneyinadvance.co.uk and talk to the Financial Ombudsman if that doesn’t work
Money Platform charles@themoneyplatform.com
Money Shop customer.relations@dfguk.com
Monkey Dosh complaints@monkeydosh.com
Month End Money part of the PDUK group
Mr Lender complaints@mrlender.co.uk
My Jar complaints@myjar.com
MyKredit info@myKredit.com
My Mate now called Different Money
NextCredit info@nextcredit.co.uk
Oakam complaints@oakam.com
Oasis Finance / Oasis Payday use the Sunny email
Payday Advance a brand name of CFO, see above.
Payday Express / Payday UK / PDUK customer.relations@paydaycontact.co.uk These are very slow at responding – there are reports that you can get a Statement of Account if you phone 0800 280 2548. These have stopped making new loans but the company is NOT broke and they are still looking at complaints and paying out.
Peachy complaints@peachy.co.uk
Piggybank complaints@piggy-bank.co.uk
Pixie now liquidated, Financial Ombudsman not taking complaints
Provident – see Get a refund for doorstep lending as the complaints are a bit different. Contact details in that article.
Pogo Loans complaints@pogoloans.co.uk
Pounds Till Payday part of the Malta-based Northway group, see Swift Sterling
Pounds To Pocket complaint@poundstopocket.co.uk
Quick Quid complaint@quickquid.co.uk
Quick Loan Shop info@thequickloanshopltd.co.uk
Quid.co.uk use the Sunny email address
Quidie complaints@quidie.com
QuidMarket customercare@quidmarketloans.com
Response Funding info@responsefunding.co.uk
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 UKComplaints@SpeedyCash.com They have now closed, but they are not (so far as I know) in administration If this email doesn’t work, try Wageday Advance’s email (they are a sister company) and if they reject your complaint, talk to the Financial Ombudsman.
Square Today customerservice@chequecentre.co.uk
Stagemount see Quidmarket
Street UK see Track Loans
Sunny help@sunny.co.uk (if you are complaining about another brand, make it clear which one)
Swift Money Complaints@SwiftMoney.com
Swift Sterling complaints@northwayfinancial.com (Malta based – see Swift Sterling & Pounds Till Payday article for more details)
Think Finance – use the email for Sunny
THL payday@thl-uk.com
Tick Tock customerservice@ticktockloans.com
TM Advances info@tmadvances.co.uk
Toothfairy – in administration, see below.
Track Loans loans@trackloans.co.uk
Trusted Quid service@trustedquid.co.uk
Txtloan – a trading name of MyJar so complaints@myjar.com
Uncle Buck info@unclebuck.tv
Vivus info@vivus.co.uk Vivus have withdrawn from the market. They are not yet in administration.
Wage Day Advance complaints@wagedayadvance.co.uk
WageMe customer.services@wageme.com
Wizzcash complaints@wizzcash.com
Wonga customercomplaints@wonga.com
Zebit trading name of Lending Stream so complaints@lendingstream.co.uk
1 month loan / 1 month money use the Sunny email
100Pounds support@skyquid.co.uk
1st Stop complaints@1ststop.co.uk
247 Moneybox customer.services@247moneybox.com
Bad credit lenders giving larger 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)
Avant Credit emailcomplaints@avantcredit.co.uk
Bamboo Loans complaints@bambooloans.com
Everday Loans complaints@everyday-loans.co.uk
Likely Loans loans@likelyloans.com and put COMPLAINT in the title
On Stride high-cost large loan brand of QuickQuid support@onstride.co.uk
118 118 Money complaints@118118money.com
Doorstep lenders
For contact details for doorstep lenders such as Provident and Morses, see Get a refund for unaffordable doorstep lending.
Firms in administration
The following firms are currently in administration – these means they have gone bust!
- Toothfairy; Cash Genie; CFO; Microlend; Different Money.
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.
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!
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.
Could you get a payday loan refund?
Q and As about payday loan refunds
Payday loans? 3 reasons not to use a claims firm
S says
Pixie Loans are now in liquidation as of 15th February 2018 – the ombudsman are stopping all complaints against them as a result.
Sara (Debt Camel) says
thanks for the information :(
Shammi Akthar says
Hi , Akhtar? I take out loan 2011 from minicredit then they sold by opos limited last month I send them your template letter and they send me only stetment now can u tell me please what I have to do next
David Stephenson says
Hi does anyone have any contact details for Perfect Payday Loans. I have tried using info@perfectpaydayloans.co.uk but I got a message back saying address not found. Any help would be greatly appreciated.
Marty says
Can someone please help me with uncle buck? Seem to break escaping as ombudsman did not regulate them until 29 December 2010. Thanks they are so smug
Sara (Debt Camel) says
When were your loans? Do you know the name of the legal entity lending the money? Or what their website was pre 2010?
Marty says
Hi Sara the company was Uncle Buck Finance LLP , ombudsman said can’t look due to dates they still exist loans were 2007 – 2008. They just said not looking at them go to FO knowing fine well they could not help really don’t know where to go with this ?
Sara (Debt Camel) says
UB have to tell people to go to the Ombudsman, it’s the Ombudsman’s decision whether a complaint can be handled by them, not UBs.
I suggest you go back to the Ombudsman and ask why the complaint can’t be considered as UB were authorised by the OFT when those loans were taken out.
BUT expect this case to be very slow as the loans are over 6 years old.
Marty says
Thanks Sara I’ve went back to the FO appreciate your advice
Gemma h says
FML or FLM loans? Taken over by Amigo – if loans were taken out and paid back.. who takes the responsibility? Amigo? Confused. TIA
Sara (Debt Camel) says
You can complain to Amigo, but if the loan was repaid before the takeover you may have the complaint rejected.
Andy says
Does anyone know who Quid24 are as they appeared on my bank statements several times in 2012, look like a couple of very short term loans all paid back within 7 days and re-borrowed straight away?
chris says
can anybody help with a company called speedcredit took a load of loans out with these and cant find any way of contacting them.
chris says
Another question, i had lots of loan with companies i believe now in administration them being minicredit,cfo lending and toothfairy? is there anything i can do to put a claim in against these please?
Malcolm says
Can anyone advise me of the contact for instantcashloans?
Also just noticed that satsuma appear as provident on my credit report, who should i complain to?
Sara (Debt Camel) says
Instant Cash loans will be Payday UK, Payday Express, Money Shop or one of Dollar’s other brands. Complain to customer.relations@dfguk.com.
Complain to Satsuma, email in article above.
Good luck!
Lee says
Evening,
I’m starting my claim against a few that include Wonga, PDUK and Lending Stream.
I have on my bank statement a company called W Ltd T/A AS P SW crediting my account and PayDay Overdraft withdrawing. Can’t find any info about the company to claim against them and can’t see nothing on the list. Can anyone advise?
Also, during my peak borrowing back in 2013 I used a 6-7 different payday loan companies. Taking out loans to pay another and also had a terrible gambling problem as a result. My smallest loan with Uncle Buck £285 defaulted, ended up going to court and a CCJ was awarded against me. This has since been marked as satisfied as i had no choice to pay. Do I have a case to have the CCJ removed from my credit file given my circumstances at the time?
Thanks in advance,
Lee
Sara (Debt Camel) says
It sounds like this company https://www.fca.org.uk/news/press-releases/fca-decides-cancel-payday-lender%E2%80%99s-interim-permission-and-ban-its-sole-director. You won’t be able to get a refund from them.
Complain about all your other lenders, including Uncle Buck. It’s not possible to delete a CCj from your credit record without it being set aside. I would be surprised if the Ombudsman decides that should happen.
Rachael says
I had a loan with minicredit for £100
asset collections have bought the debt an say i should be paying 1,190.50
What can I do about this?
Sara (Debt Camel) says
Put in a complaint about unaffordable lending to asset collections.
Karen says
I had payday loans from purple payday. Can I claim against them? If so do you have an email address I can complain to?
Sara (Debt Camel) says
That was a trading name of PingTree, they aren’t in business since 2015, see https://register.fca.org.uk/shpo_searchresultspage?search=pingtree&TOKEN=3wq1nht7eg7tr. You can ask the Financial Ombudsman about them but I am not optinistic.
Lee Sharratt says
Had a reply from pounds to pocket , saying they are part of quick quid , is this correct ? I have been paid out, and they said the case has been settled?
Joanna says
My understanding is that they are owned by the same company but separate loans. I have complained to the FO separately.
Lee Sharratt says
So it’s worth going to fo? There were separate and pounds was about 2000 pound
Julie Freeman says
How do I contact speed credit ?. Are they digital financial services ltd? . Does anyone know?
D says
Hi,
Just had response from the adjudicator. 4 different companies he decided the complaints would not be upheld.
I’ve asked for them to be passed to the ombudsman.
Does the ombudsman often overturn the adjudicator decision?