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 info@anicofinancialservices.com
Auden complaints@auden.co.uk
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 in administration, see below.
CashPlus complaints@apsgroup.com
Cheque Centre in administration, see below
CFO (Capital Finance One) – in administration, see below.
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) & 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 Payday Express
Fancy a payday info@fancyapayday.co.uk now changed name to Response Lending, see below
Fast Loan UK complaints@fastloanuk.co.uk
Fernovo complaints@fernovo.com
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 now taken over, 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
Loans4U / Loans4You unauthorised. As a result, any complaints can’t be taken to the Ombudsman.
Microlend in administration, see below.
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 charles@themoneyplatform.com
Money Shop account.services@themoneyshop.com
Monkey Dosh complaints@monkeydosh.com
Month End Money part of the PDUK group
Mr Lender complaints@mrlender.co.uk
My Jar generalcomplaints@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 Bad Credit complaint.handling@westerncircle.co.uk
Payday Express / Payday UK / PDUK customer.relations@paydaycontact.co.uk These have stopped making new loans but the company is NOT broke and they are still looking at complaints and paying out.
Payday First – see CFO.
Paydayloansnet / PDNET complaint.handling@paydayloansnet.co.uk
Payday Store – see Payday Express
Peachy complaints@peachy.co.uk
Pera Loans complaint.handling@peraloans.co.uk
Piggybank complaints@piggy-bank.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 part of the Malta-based Northway group, see Swift Sterling loans before December 2015.
Pounds To Pocket complaint@poundstopocket.co.uk
Quick Quid 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
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 part of the Wageday Advance group, now in administration. Use the link below for Wageday Advance.
Stagemount see Quidmarket
StepStone Credit customerservice@stepstonecredit.co.uk
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 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 complaints@swiftsterling.co.uk
Tappily (a sister brand to SafetyNet Credit): complaints@tappilymail.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
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
Txt Me Cash – see Cash Genie
Uncle Buck info@unclebuck.tv
Wage Day Advance now in administration but complaints can still be made to complaints@wagedayadvance.co.uk
WageMe customer.services@wageme.com
Wizzcash complaints@wizzcash.com
Wonga in administration but complaints can still be made to customercomplaints@wonga.com
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 customer.services@247moneybox.com
Payday lenders in administration or already liquidated
Wonga – see Latest news on refunds from Wonga for details.
Wageday Advance (and Speedy Cash) – see Wageday Advance (WDA) goes under – pre pack sale to Morses Club for details.
- For both Wonga and Wageday Advance it is still worth putting in a complaint, especially if you have an outstanding balance. BUT there is no need to follow the normal template letters, just send a simple email to the email address above saying you want to complain about unaffordable lending. It will take many months, you may not get a lot back, but it’s very easy to send off this simple email.
The following firms are also currently in administration – these means they have stopped trading and are in the process of gone bust!
- Cash Genie; Cheque Centre (and Square Today); CFO; Different Money; Microlend; Toothfairy; Capfin (Ecash Window & EPDL).
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, and I don’t think the Ombudsman is taking complaints:
- 1st Stop; 321 Cash; Bonga Loans; Cash Choice; Cash365; 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.
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.
Bad credit lenders giving larger loans and 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 contact details for doorstep lenders such as Provident and Morses, see Get a refund for unaffordable doorstep lending.
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!
How to ask for a payday loan refund
Examples of gambling & payday loan refunds
Payday loans? 3 reasons not to use a claims firm
Ian Bland says
I am wanting to put a complaint in against Vivus around affordability. However they don’t exist anymore. I have negative report off them on my credit file, however the balance has been cleared. Any ideas where to go here?
Sara (Debt Camel) says
I don’t think there is anything you can do :(
Gaz says
Good morning,
I’ve had a couple of successes with having loans cancelled and one small refund from Unclebuck. Does anyone have contact details for SquareToday? I know they have closed but none of their contact details for the parent company work?
Sara (Debt Camel) says
Sorry their parent company is Cheque Centre which has also closed. you can talk to the Ombudsman but I am not optimistic.
Nikki says
Has anyone made a claim against cfo? I have read they have gone bust and want to know if I can still put in a complaint against them? Thanks
Sara (Debt Camel) says
I haven’t heard of a success against them for a long while – I suggest you ask the Ombudsman if there is any point in making a claim.
samantha says
Having put claims in against a few now I am on a roll, although one complaint has been with the FOS for over 1 year now!
Toothfairy finance, anyone had any luck? my old emails are from toothfairy, paycheck credit & even marshall hoare baylift collections.. which I have emails from them all regarding my toothfairy loans. Can I get anything back from any of these? Is there an email for any?. thanks
Sara (Debt Camel) says
Toothfairy are in administration – I haven’t heard of anyone getting any money back for a long while.
Paycheck credit I think folded in 2012 – in that case, no chance of refunds.
SB says
Hi Sara and everybody,
I am finally getting my act together and have got bank statements from years back. On one of my statements, I have receipts from PACNET SERVICES LTD and I’m ashamed to say that I don’t know whether this is a PDL or a betting company. I was betting and in poor mental health at the time and have no idea who this company is.
Does anybody else have any idea? It was in 2015.
Thanks,
SB
Sara (Debt Camel) says
Pacnet was a payment services company. At time used by both Lending Stream, QuickQuid and possibly others. Usually to pay money to you, so if there are payments out that don’t seem to correspond to an amount borrowed, these could be what you were loaned.
SB says
Thank you Sara :-)
Jake hills says
Does anyone know if I can still put in a complaint against cfo lending?
Jen says
I eventually found communication with them earlier last month, got this sent by e.mail. Sara do you think it’s worth filling in or forget about it, it was on my to do list nxt week cause I’ve a few days off work. Or am I wasting my time.
Please find attached proof of debt form.
Please be advised there will not be a dividend in the matter, further information can be found at – https://harrisons.uk.com/cfo-lending/
Kind Regards
Sara (Debt Camel) says
The Administrators sound convinced there will not be any money to pay refunds. I assume you don’t have a balance owing on a CFO loan?
Jen says
Honestly I haven’t got a clue don’t think so, I was in a mess a few years ago, don’t know if they got paid or not, these 1s were all over 6 yrs, just don’t know if I should take time to go through stuff to find out loans or do you think they might still have a wee bit to give back
Sara (Debt Camel) says
No I don’t think they will have any money left. Administrators are completely straight when they say there won’t be a dividend for unsecured creditors. The only possible reason to put in.a Proof of Debt form is as a marker that you should have a got a refund in case you are later chased by Lantern, the debt collector that has bought the book of outstanding loans. If an outstanding loan was over 6 years old it may well be statute barred anyway.
ShellC says
Hi, does anyone have any experience with claiming against the 1st stop group? The loan was paid in by 1st stop payday loans however the repayments were made to 1st stop home loans, now 1st stop home loans still exist however they are claiming that 1st stop payday loans was never part of their group, how does that make sense?
Sara (Debt Camel) says
I suggest you talk to the ombudsman
Joe Wightman says
Has anyone heard from Credio.co.uk? Cashbridge corporation ltd. I opened a complaint in 2016 with them, since then they’ve ignored all comunication from myself and the FOS. The FOS ruled in my favour but no one can get hold of them! Including the FCA. There website seems to have been shut down last month as well. Just auto email responses and no phone line.
Sara (Debt Camel) says
Very small lender. Last report of anyone getting a refund was more than a year ago.
Lee sharratt says
Hello. Loans to go Sara? I can’t find the email, are they owed by another company
Sara (Debt Camel) says
from the complaints page on their website: ps@loans2go.co.uk
This was probably a large loan or a logbook loan? If so follow the template letter here: https://debtcamel.co.uk/refunds-large-high-cost-loans/
Lee sharratt says
Hello. Just two loans , few hundred pounds, over 18 months, not a log book loan
Sara (Debt Camel) says
ok, well with only two loans, if they are small and over an 18 month period, this may not be an easy complaint, but good luck!
James Lewis says
Good afternoon guys,
I took out 10 loans with cash4uloans over a 20-24 month period totaling around 7k (including interest). Has anybody had any experience with these guys, can recall their customer service being appalling and quite aggressive.
Sara (Debt Camel) says
Do you mean cash4unow ?
James Lewis says
Apologies, i do Sara.
Sara (Debt Camel) says
oh good! Then the address for complaints to them is in the above list.
They are a small lender so not mentioned a lot, but other people have said they aren’t nice to deal with. During your complaint, don’t talk on the phone, keep everything by email. Don’t try to negotiate, go straight to the Ombudsman at the end of 8 weeks if they haven’t made you a good offer. If they suggest an offer and ask you to call them, just reply by email asking if that is their final offer as if it is you will be going to the Ombudsman.
Ignore any suggestions that you lied on your loan applications – they seem to say that to a lot of people. 10 loans is a lot of borrowing, they should have realised you were in trouble whatever your applications said.
If you remember their customer service as being aggressive, does this mean you were late making payments or missed some? If so, that is a strong indication that they should not have given you any more loans. Add this point to the standard complaint letter and also if you feel they pressured you into making repayment you could not afford.
James Lewis says
Superb advice, thanks Sara..its really appreciated.
steve says
Hi Sarah,
I have a loan outstanding with Minicredit, now (administration) I raised a complaint as its now with a debit collector. I apparently complained to Ombudsman about the loan a few year ago and I didn’t win the case ( I cannot remember the details). . Its important to note that on the 04/06/2015, £421.50 of charges and interest applied to your loan by Mini credit were written off as a gesture of goodwill in relation to your complaint raised. thus £615 remains outstanding but never received any communication. Kapama Limited has logged a default against me with the balance owed. I had a final response as I complained to them recently (forgot) about the other complaint and raised it with the regulator, with the above details, will FOS tell me to go away or will they entertain the recent complaint?
Sara (Debt Camel) says
This bit “Its important to note that on the 04/06/2015, £421.50 of charges and interest applied to your loan by Mini credit were written off as a gesture of goodwill in relation to your complaint raised.” sounds like you have been told this by someone – who and when?
I can’t really guess what will happen unless you say what your previous complaint was about.
steve says
Thanks Sara,
This was expressed to me by Mini credit. I don’t ever remember making a complaint to FOS but it is possible. The company dealing with the debt advised me in their final response. As it was back then, I wondered if the rules has changed, resulting in a further outcome. I have received a response from FOS this morning to tell me that the Mini Credit are not in operation and that the complaint may take months. They are making the assumption that money being paid to me, but when I still owe a balance
Steve says
Hi Folks,
I am going through bank statements, its something I don’t do, however I have just now came across a number of payments to a company called
CAPITAL FINANCE ONE CD 0158
Does anyone know who this company is? do you have their contact details or email address or website
I think this is different to the credit card company Capital one.
Any help would be great
Thanks
Mike w says
Yes they were a payday loan company, now defunct I believe. A quick search for capital finance one brought up their details
Steve says
Yes I googled the details but it’s coming up as Money plus, do I now need to raise a complaint to them?
Mike w says
No, money plus are a debt management company who want to take a cut of any complaint. Read the page properly.
As far as I’m aware CFO are now bust, you won’t be able to get redress from them
Steve says
OH no, Is there any point me raising a complaint to FOS?
Sara (Debt Camel) says
CFO went into administration in April 2017. Late last year the administrators said there was no more money for refunds. Were all your loans to them repaid?
James says
Hi,
I took out a payday loan with a company called ‘Get a Payday Loan Fast’, however I can not find a trace of these online now or who may own them?
Does anyone have any information on this would be very grateful
Sara (Debt Camel) says
I suspect they have disappeared a long while ago.
Stuart says
I was under the impression EPDL (renamed ecashwindow) was in administration. This is not the case. I’ve just had a Final Response offer of £1000 which I’ve accepted today. Not sure how long they take to pay out?
Sara (Debt Camel) says
Thanks for the info, I will update the article above. No one has reported a payout for a while so no idea on timescales.
Stuart says
I received the funds in my account the following day. They were actually one of the quickest and easiest to deal with. Their final response does note that the business may be going into liquidation in the near future so for anyone else who had loans with them best be quick.
Will says
I had a EPDL case at the ombudsman. They prioritised it because the company are going into administration. Adjudicator found in my favour on all 4 loans and money in my account within 2 weeks. This happened in December.
Stuart says
I almost didn’t bother emailing a complaint to them as I thought my loans were so old and thought they had already gone into liquidation. Was very pleasantly surprised with their prompt offer and payment. Can’t stress enough for anyone who had loans with them to complain quickly. I received £1000 from them.
Lisa says
Hi Sara
Have emailed myjar and sunny on 3 times in the past month to start an affordability complaint. Myjar email bounces back and sunny haven’t responded. Are there any other email addresses that I can email them on.
Thank
Sara (Debt Camel) says
Myjar seem to have changed their complaints email – try generalcomplaints@myjar.com
Sunny haven’t – if you phone them up they should be able to confirm they have your complaint.
Shane says
Hi Sara,
Whilst looking back through old bank statements online I’ve noticed payments to a company called:-
paydayoverdraft.com
Can you tell me if this company is still trading please and if there’s an email address to make contact with them.
I came across your site by accident and am so glad I did. I’ve already had repayments from The Cash Shop £500 and 1 Month Loans £1750 by sending off your template letter. I’m still waiting on a few more but it has helped me no end – so a BIG thank you from me.
Sara (Debt Camel) says
That was a brand name of WPPL who went under in 2016 when the FCA banned their director because of forged documents… I don’t think think you have any chance of a refund from those loans. Good luck with the others!
Ryan says
I have found loans on my old bank statements from a company called 1 month loan.
I contacted Sunny as instructed above who I phoned and was told to contact Elevate Credit regarding the loans at the following email address:
customerrelations@elevatecredit.co.uk
I contacted them on 06/03 but have yet to have any response and have just chased.
Shane says
Hi Ryan,
I had numerous loans with the same company “1 Month Loans”. I emailed the “elevate credit” address you mentioned and received a very quick reply and early settlement. Hope you get sorted.
Cheers S
Ryan says
Hi Shane,
Thanks for that – gives me hope!!
Was that recent or a while back?
Cheers
Shane says
Hi Ryan,
Yes the initial complaint was made by myself using Sara’s template on the 9th Jan 2019. Acknowledgment of complaint received 15th Jan, 2019. Further emails sent by “1 Month Loan” (Elevate Credit) on 19th Feb and payment in my account on the 25th Feb, 2019. I appreciate each individual case is different but I found them very efficient and good to deal with. Hope you get sorted soon. Good luck! S
Ryan says
That’s good to hear and glad you got sorted quickly.
I’ve only asked for the SOA at the moment, but not had an email saying they received my request, I am waiting for bank to send me old statements from the relevant time period so once I get them I will put my claim in.
Thanks again.
Shane says
Hi Ryan,
I only sent them (1 Month Loans) two emails in total and didn’t send them any bank statements. Just for your info.
Cheers S
Abdullah Iz says
Hi Sarah,
Any news from Cheque Centre? Are they completely gone?
Sara (Debt Camel) says
I havne’t heard of anyone getting a refund for a long time. You should talk to the Ombudsman to see if there is any point in pursuing this.
Shane says
Hi Sara,
I know a few people have enquiried about The Cheque Centre recently. Just to let yourself and others know I’ve just received this response. Think I’ve missed the boat on this one:-
We were appointed Administrators of Cheque Centres Limited on 31 August 2017. The case is now being brought to a close and I’m afraid the deadline has long passed for any creditors to submit a claim.
Kind regards
Craig Morrison
Director
Sara (Debt Camel) says
:( Thanks for the info