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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.

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 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
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 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 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.
Payday Store – see Payday Express
Peachy complaints@peachy.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
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.
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 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
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 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. It is still worth putting in a complaint, especially if you have an outstanding balance.

The other following firms are 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!

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

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Comments

  1. Someone called Budgetinnovation.co.uk have taken money out of my bank account.
    I have a feeling this is something to do with applying for payday loans??
    Does anybody know who this is as I want my money back and this subscription cancelling.
    I have tried googling it but it doesn’t exist.

    Reply

    • Have you used a hire car from budget in the last 6 months or so?
      They have a habit of adding ‘free’ insurance products to hires that start charging after 6 months if you don’t opt out or cancel them.

      Otherwise, just call your bank and tell them you don’t recognise the transaction.
      If it was taken by DD then you should be able to easily find out who it was and take back the payment and cancel any future payments.

      Reply

      • Nat. Thanks for that. I’m going to follow through on this. It’s not right that they can do this. And I want my money back.
        Cheers
        Si Lad

        Reply

    • A credit perfect took money out of my account a couple of months ago. I rang my bank and they cancelled the CPA so they could no longer take payments from me. Hope this helps.

      Reply

      • Glynis.
        Thanks. I’ll do that straight away. It’s worrying how they can do this. As I never authorised this payment.
        I suppose I’ve lost what they took.
        Thanks
        Si Lad

        Reply

  2. Hi

    I have had a response from Kapama today. They have said no to my complaint as they refer to one loan of £300. My history with minicredit i had over £7000 in loans from minicredit. Do Kapama answer for all of this or only what they/opos purchased from MC.

    Thanks

    Reply

    • I am afraid Kapama only have to answer for the loan they purchased. They will not have any other records of your previous borrowing. You may want to talk to the financial ombudsman about this.

      Reply

  3. I’m not sure the Payday Express/Payday UK address is in use any more, their website links to The Money Shop complaints resolution site with the email customerrelations@themoneyshop.co.uk

    So far all I’ve got from that is an automated confirmation of response, but more than I got from the other one!

    Reply

  4. Hi Sarah,

    Have you heard of Advancequid.co.uk?

    I have found this on my bank statements and cannot find trace of them?

    I am assuming they have gone into liquidation.

    Reply

  5. Hi Sara,

    Just to make you aware, the CFO email contact address you have listed no longer seems to be accepting incoming mail.

    Reply

    • Thanks for the update. I don’t think anyone has had any money back from them for months. I suggest talking to the Ombudsman if you have a big complaint but there may be nothing you can do.

      Reply

  6. Hi all!
    A great site and I have just started doing all by myself. Thank you.
    I am looking for contact details for “UK Loan Store”, I took loans with them in 2013.
    Many thanks,
    Tom

    Reply

  7. Hi all!
    I emailed F Ombudsman for an advice with regards to possible claims from
    “CFO Lending”, “UK Loan Store” and “Speedy Dosh”. No reply yet..
    Is there any chance I would be able to contact/claim from them?
    Many thanks. Tom

    Reply

  9. Hi.

    Could someone please tell me who are Cash on Go Ltd, I had a loan with these in 2013, but I cannot locate them?

    Thanks

    Chris

    Reply

  10. Hi all,

    while going through my old bank statements I noticed that I took out an awful lot of loans with Pixie Loans.

    has anyone else tried to reclaim from these??

    I don’t think they exist any more but I have found contact details for complaints which are: stephen.jones@pixieloans.com

    Reply

  11. Hi,
    has anyone had any luck with 1st Stop? I sent them an email as I had many loans with them several years ago, I got this response:

    Dear Mr Askew

    Thank you for your subject access request received on 4 October 2018. Unfortunately, we are unable to deal with your request for the following reason:

    Any payday loans taken out on agreements issued by the following companies are not connected to the current 1 st Stop Group Ltd:

    •1st Stop Recoveries Ltd
    •1st Stop Unsecured Loans Ltd
    •1st Stop Payday Loans Ltd
    •1st Stop Funding Ltd

    The above business are previous trading names for Clear Recoveries Ltd, who are no longer trading.

    We have checked our system and we do not have any record of you taking out a Payday Loan with 1st Stop Group.

    We only keep our records for six years from the end of an agreement, in line with legal and regulatory requirements.

    Regards,

    Data Protection Office Team

    1st Stop Group

    Reply

  12. Hi Thanks Debt Camel

    just got a refund from Mr Lender for £478 using your template letters

    they was very polite think i could have gone for more but this was a reasonable offer

    Reply

  14. Really keen for any help on contacting the cheque centre. i was cruppled with debt and it took me years to sort it out after rolling over payday loans weekly for months and months. i know they are in liquidation but surely there is a contact for them in hope i could at least try? any advicevery much appreciated! thanks

    Emma

    Reply

  16. 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?

    Reply

  17. 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?

    Reply

    • Sorry their parent company is Cheque Centre which has also closed. you can talk to the Ombudsman but I am not optimistic.

      Reply

  18. 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

    Reply

    • 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.

      Reply

  19. 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

    Reply

    • 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.

      Reply

  20. 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

    Reply

    • 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.

      Reply

    • 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

      Reply

      • 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?

        Reply

        • 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

          Reply

          • 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.

  22. 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?

    Reply

  23. 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.

    Reply

  24. Hi, ive used this service personally and its been a great help – Thank You!

    I just wanted to know if its possible to put complaints in on behalf of someone else? I told my friend about this and he was asking if i could do it for him.

    Reply

  26. 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.

    Reply

      • 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.

        Reply

  27. Hey guys,

    I’ve found 17 loans taken out with LS over the course of 3.5 years, (this would be alongside a number of other loans throughout this period). Its 5 weeks in now, are LS in the habit of making offers or typlically are the rejecting in full?

    Thanks for all the hard work that has gone in so far..

    Reply

  28. Hi.I have tried sending an email to Northway (previously Swift Sterling), but the emails keep bouncing back. Does any one know if/how I can claim?

    Thanks

    Reply

  29. 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?

    Reply

    • 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.

      Reply

      • 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

        Reply

  30. 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

    Reply

    • Yes they were a payday loan company, now defunct I believe. A quick search for capital finance one brought up their details

      Reply

      • 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

        Reply

        • 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?

          Reply

  31. 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

    Reply

  32. Does anyone have a WORKING e-mail address for PDUK/PDE? All I’ve received so far has been a couple of rejection slips from the donotreply moneyshop address requesting more information, even though I’ve sent them bank statements and Noddle. Complaint was opened 6 weeks ago now, and if I don’t hear anything back I’m off to the Ombudsman.

    Reply

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