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 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 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
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 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.
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
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 Malta based – see Swift Sterling & Pounds Till Payday article for more details
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 is now 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.
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; 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
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.
For contact details for lenders such as Avant Credit, Bamboo Loans, Everyday Loans, Likely Loans, Moolr, On Stride, Savvy and 118 118 Money, see Refunds from large, high cost, bad credit 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!
Could you get a payday loan refund?
Examples of gambling & payday loan refunds
Payday loans? 3 reasons not to use a claims firm
Prab says
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
Sara (Debt Camel) says
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.
Brain says
Has anyone had any success with loans2go?
Mike says
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!
Sara (Debt Camel) says
Thanks for the info!
Zizi says
I did not get even automated response, but will wait few weeks to hopefully hear from them!
Nikki says
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.
Sara (Debt Camel) says
I can’t find any trace of them in the last three years, sorry.
Jo Connolly says
Hi Sara,
Just to make you aware, the CFO email contact address you have listed no longer seems to be accepting incoming mail. I received this error message:
“Delivery has failed to these recipients or groups:
customer.relations@cfolending.com”
I know they are in administartion, and I guess this doesnt bode well!
Sara (Debt Camel) says
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.
Tom says
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
Tom says
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
Sara (Debt Camel) says
CFO Lending is in administration and I haven’t heard of anyone getting a refund from them for a while.
Speedy Dosh is, I think, long dead and gone.
UK Loan Store I haven’t heard of, if it is this outfit https://www.fca.org.uk/news/warnings/loan-store-limited then that is bad news and there is no hope of redress.
|t’s usually best to phone the FOS with these queries.
Erlens says
Just wanted to let you know that lending stream is still taking complaints at complaints@lendingstream.co.uk as i just got an automatic reply from them with my reference number to my complaint.
And while i was writing my complaints i did check the emails i got to send them to and MyJar had an email generalcomplaints@myjar.com
Chris Mitchell says
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
Sara (Debt Camel) says
They are better known a Peachy.
david askew says
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
Sara (Debt Camel) says
I think Pixie are now dissolved and have no assets. If you want to check, talk to the Ombudsman.
david askew says
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
Sara (Debt Camel) says
You could talk to the ombudsman but there may be nothing you can do here.
kevin thompson says
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
Francesca says
Hi
Has anyone got refund from cheque centre or know where I can email to put in a claim against them please
emma says
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
Sara (Debt Camel) says
You can talk to the Ombudsman but so far as I know there is no money left for refunds.
r says
Hello,
Is pixie loans still trading?
Sara (Debt Camel) says
No, no chance of a refund.
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.
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.