Debt Camel

Answers to questions about debts and credit ratings - in plain English!

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.

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
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  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  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
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 customerrelations@themoneyshop.co.uk
Monkey Dosh complaints@monkeydosh.com
Month End Money part of the PDUK group 
Mr Lender complaints@mrlender.co.uk
My Finance Club  support@myfinanceclub.com and put COMPLAINT as the subject
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 customerrelations@themoneyshop.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 One Stop Money Shop (not related to The Money Shop): apply@theonestopmoneyshop.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
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 customerservice.curo@kpmg.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 have stopped trading and/or may be in administration –  the process of gone bust!

  • Different Money; Microlend; Toothfairy; Capfin (Ecash Window & EPDL); Trusted Quid

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) 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:

  • Cash Genie; Cheque Centre (and Square Today); CFO; 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. There are also lenders who were never authorised such as Loans4U / Loans4You who you can’t take a complaint to the ombudsman 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

Author: Sara Williams Tagged With:

Comments

  1. 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

  3. 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

  4. 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

  5. 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

  6. 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

  7. 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.

      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.

  9. 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

  10. 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

  12. 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

  13. 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

    • Hi Sara,

      I’m currently in the process of cleaning up my credit file and have a big one of £1,041 from minicredit – I called up Kapama and they advised the debt was sold to them, the original value of the debt is £200. I dont mind paying back at all – I just dont think the inflated interest is fair. the steps I have taken so far is using the resolver(moneysupermarket) to create a complaint. Is this the correct thing to do – what do you recommend for the best steps?

      Cheers
      Sam

      Reply

      • yes that’s right – and take to the Financial Ombudsman if Kapama don’t offer to resolve.

        Have you told Kapama you are happy to pay the £200?

        Reply

  14. 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

  16. 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

  17. 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?

    Reply

    • Thanks for the info, I will update the article above. No one has reported a payout for a while so no idea on timescales.

      Reply

      • 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.

        Reply

        • 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.

          Reply

          • 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.

  18. 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

    Reply

      • Hi Sara,

        I hope you can help me with my situation like you’ve helped so many others. Over the last 12 months, I’ve gotten myself into a pickle with Sunny. I’m very ashamed to say I’ve taken 13 loans with them (somehow that’s more than one loan per month!!!!!). I have never missed a payment or incurred any fees, but honestly I am sinking! I can feel the whole situation spiralling. They are the only lender I have a payday loan with and I’m starting to feel uneasy.
        I want to do something about it (maybe freeze the interest and negotiate a single sum each month until I’m square?), but I’m concerned because:
        – they ask me every month if I can afford it and I click yes in desparation (Will this limit what I can negotiate with them?)
        – I’m not sure if I can legally write to them directly or should I go through someone?
        – I’m not sure if I should be claiming anything from them at this stage? I would be happy just to work something out with them… do you think this is even possible without incurring payment fees and (further) destroying my credit rating?

        Any advise you have would be very welcome.
        Thank you!!!!

        Reply

        • ” I click yes in desparation” yes that is what everyone does. It won’t affect your claim – the fact is that Sunny should have noticed that you kept borrowing again and again and either refused to lend or asked you for more infomration to check the loans were really affordable.

          “I’m not sure if I can legally write to them directly or should I go through someone?” definitely do it yourself! The template letters are over on this page https://debtcamel.co.uk/payday-loan-refunds/ which talks you through the whole process. go to a Claims Firm and they will ask you the questions and send off the same sort of email and charge you 25% or more for doing that!

          “I’m not sure if I should be claiming anything from them at this stage?” oh yes, 13 loans in 12 months sounds like a good claim. Even if you only get the last few refunded, it could make a huge difference to you. Put in a complaint – as a part of which you can say you would like a payment arrangement – and cancel the CPA to Sunny with your bank.

          “I would be happy just to work something out with them… do you think this is even possible without incurring payment fees and (further) destroying my credit rating?” if you ask for a payment arrangement, that will harm your credit record. If you put in an affordability complaint and also ask for a payment arrangement, then if you win the complaint any negative marks are removed from your credit record. So this is actually a safer way to proceed.

          Of course I can’t guarantee that you will win your complaint, but it sounds like a good case. And you have to end this cycle of reborrowing because it’s costing you a fortune and must be very stressful.

          Reply

  19. 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.

    Reply

    • 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!

      Reply

  20. Hi Sara,
    Whilst going back through my bank statements I’ve noticed payments to the following:-

    PRIME PAYDAY UK and
    http://WWW.PAYDAYOVERDRAFT.COM

    Could you please tell me if these companies are still in existence and if you have any email addresses for them please?

    Thanks for your help.

    S

    Reply

  21. 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.

    Reply

  22. 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

    Reply

      • 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

        Reply

        • 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.

          Reply

          • 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

        • Hi,

          Thanks for your advice, just accepted a refund of £525 from loans I received over 7 years ago!!!

          Cheers

          Reply

    • 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.

      Reply

  24. 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

    Reply

  25. Hello

    Going through my credit report and sending out emails (thank you so much for the advise and templates – so helpful).

    Anyone have any luck with Cash ASAP and Ferratum? I checking my report, I had a total of around 18 with ASAP and around 7 with Ferratum over the last 4-5 years and wondered if it was worthwhile applying (currently still have a loan with them but only 1 payment left).

    So far have emailed Satsuma, 247, payday express and Uncle Buck. Still to email Lending Stream and Myjar (whom I currently have a loan with). Also got claims in With WDA and Wonga but not holding my breath on those 2!

    Also have had 2 loans with Likely Loans and wondered if anyone had success with them?

    Reply

    • Good luck with lending stream they are hilarious, have me redress on loans 1 to 5 but deemed 6 and 7 affordable cowboys don’t ever phone them either as 99 percent of the time they put you on hold for ages.

      Reply

      • Having read the posts on hear about lending stream, I gather it’s going to,be difficult with them but will try anyway. Have emailed them all and prefer dealing by email for the paper trail, won’t be phoning unless absolutely necessary 😀

        Reply

  26. Great list, thanks. I’m just starting claims against 20 payday loan companies (yes, 20, it got that bad, and yet they were still accepting further loans from me at the time).

    I’ve emailed 13 so far with no problem but I’ve had a bounce back ref Payday UK and Payday Express. These are both listed under the same group paydaycontact.

    However the email address listed here isn’t working. Do you have any further update on customer.relations@paydaycontact.co.uk ?

    Reply

  27. Hi i am in the process of chasing cash generator for loans from a few years ago.

    They are really giving me the run around and state tgey have no record of my custom as it was all transferred to a london company a few years ago. I have sent an email to this company with no joy as yet.
    Can anyone advice on the next steps please.

    Reply

    • Hi May,
      I’m in a similar position with Cash Generator. The shop I was regularly using has now closed which doesn’t help matters. Could I ask which email address you have been using please?
      Many thanks,
      S

      Reply

      • I initially sent my first email to the general complaints. After much forward and backwarding a general manager got back to me. His email is lombardy@cashgenerator.co.uk he directed me on friday to R capital with the address 24 Old Bond Street
        Mayfair London W1S 4AW

        Reply

  28. Hi

    I had several loans from a company called Safeloans (sister company of UK Credit). UK Credit took over all the accounts of Safeloans and I made an arrangement with UK Credit and paid it off in instalments. I assume that I cannot claim against them as Safeloans no longer exists? I contacted UK Credit and got this response –

    “Yes, Smart Loan no longer trades. This was a smaller sister company of UK Credit under the same umbrella. UK Credit took hold of all the accounts/books. Whilst you are well within your right to seek independent advice, there will be no redress given on this account.You signed a legally binding contract knowing what agreement you were entering into.Smart Loan send letters out advising all accounts being transferred to UK Credit.Throughout 2016 you were in regular contact with us acknowledging and accepting responsibility for the debt and subsequently entered into an arrangement with me directly to make repayments of £125 per month at the end of each month.”

    I assume they are correct in what they said?

    Update – so far have had 2 results £832.62 from trusted quid and £731.09 from Nextcredit. Step 2 has been sent to MyJar, 247 and Peachy. Step 1 has been sent to Satsuma, Payday Express, Express Finance (all acknowledged). Also sent and haven’t heard yet from Everyday, CashASAP, Lending Stream, Uncle Buck, ECashWindow, Cashfloat and Ferratum.

    Obviously still early days but still am hopeful…

    Reply

  29. hi All, just put in 3 more complaints and waiting on QQ to pull their fingers out.

    i have come across a name on my statement taking money from me of “w/loan processing” would anyone know who this refers to so I can go after them

    Reply

      • Also i have just emailed the template to all my payday loan companies and peachy have replied asking for bank statements and payslips. Do i have to send them this as im not sure on the dates i took the loans out with them.
        Regards mark

        Reply

        • No need to ever send payslips. You could say you will send the bank statements after they send you the list of loans as you are unsure of the dates.

          Reply

      • Hi Sara,

        Has anyone complained to one of the ‘big four’ over mis-selling?
        To give context, during the mid to late 90’s (when my salary was c.£16K per annum and struggling financially), Lloyds TSB approved and issued me with the following credit: Credit Card of £5,500, Overdraft of £7,000 and a Personal Loan of £13,000.

        I should never had been given this amount of credit especially from the same provider during the same period and to date I still bear the burden and cost of this.

        Is there anything I can do?

        Reply

  31. Hi Sara,
    I’ve tried to raise a complaint against cash
    I had multiple ‘cheque cashing’ loans with them..I’ve had a response…
    They say there is no redress as the original owners went into administration and the company was bought out… there email is as follows…

    “If you check the paperwork that you have I am sure that it would be in the name of Cash Generator Ltd
    Cash Generator Ltd was purchased more than 6 years ago by an american company at the same time as buying the
    Cheque Centres in the uk.
    The american company folded both company in the uk soon after.
    So sadly both companies went into Administration leaving them with no liabilities.
    Generator…”
    So do I accept that this is it…?
    Or do I take it to the ombudsman?
    Many Thanks
    Vicki

    Reply

  32. Does anyone know who the following are / if they are still trading?

    PACNET SERVICES LTD – WHO ARE THEY?
    MEM CONSUMER FINANCE – WHO ARE THEY?
    1 MONTH LOAN – STILL TRADING?
    CAPITAL FINANCE ONE – STILL TRADING?
    CREDIT SOLUTIONS – WHO ARE THEY?

    Thanks in advance!

    Reply

  34. Hi wonder if anyone can help I’ve put in complaints to 5 company’s and got reply to say received the complaint well everyone apart from THL as anyone else had this problem? I used the link on the site for them.

    Reply

    • I contacted THL on 04/03/2019 and had an initial response saying I would hear from the Complaints Team within 4 weeks and a Final Response within 8 weeks. On 20/05/2019 I emailed a ‘reminder’ and within 24 hours got a response referring to my loans (with incorrect loan dates….out by a year) saying they were not irresponsible,in their lending, no explanation and appears to not having been investigated at all and (their words) ‘let this be an end to the matter’. Alas not for them. I have escalated it to the Financial Ombudsman.

      Reply

  35. Hi am looking to start making my claims of payday loans Interest, Do you have a Template for stage one ( asking for Information from the payday companies) ?

    Reply

  36. Firstly, so many thanks Sara for this site, I am reclaiming my life!!
    Can I check if you know if any of the below are still live?
    Tower Capital
    Debit Card Loans/Goldstar Finance in Luton
    Payday Overdraft TA WPPL Ltd
    Access Fast Money or Management?
    Pound Access
    Capital Cash
    Cash Call Finance
    Cash Bob
    I know Bongaloans, CFO Lending, Cash Genie and Quid 24 have gone, am I really stuffed with those claims? And Microlend and Toothfairy, if I haven’t yet submitted a claim does that mean no point now as in liquidation?
    Have settled Mr Lender and Safe Lons, Peachy just a query re how much interest, partial offers from My Jar and Payday Express, Cash Converters at FOS, WDA, Wonga and EPDL claims in, H and T ongoing, Cash Generators and Albermarle and Bond to be submitted……

    Reply

    • Further to the above – also waiting on the Money Shop and Payday UK to reply.
      Just wish I had found this site years earlier as Quid 24 and Bongaloans have had vast sums from me
      Have yet to locate my Quick Quid and Pounds to Payday payments but am on a roll and determined to get back whats right.
      And Peachy just settled as well, thats £1780 in 8 weeks back. So many many thanks Sara

      Reply

  38. Had a payout today, countered their first offer then haggled re interest, settled on £606 which was interest on loans 4 through 9 plus approx half the interest I would have received. I wasn’t willing to wait for FOS to maybe add £100 or so. Apart from waiting 7 weeks for their response wasn’t painful, in fact they were easy to deal with

    Reply

  39. HI

    Does anyone have contact details for Trusted Quid, I’ve just spoke to FOS and they said the company may have stopped trading but has not gone into liquidation on their records.

    thanks

    Reply

  40. Hi has any one has any luck against cash generator. The walsall branch are not helpful and report that my old account records are gone as the company went in to adminstration etc etc.

    Reply

  41. Has anyone had any luck contacting 1monthloan? The list suggested to try Sunny Loans but when I spoke to their customer service centre and they searched on my details they said they have no record of my account and didn’t seem to know who 1monthloan were?

    Reply

  43. Hi all,

    Can anyone provide any details of dealing with the Loan Store Ltd?

    They seem to have a website that is still active but are now brokers?

    According to my bank statements In 2012, I had a number of loans with them but resolver doesn’t list them as a company you can make a complaint against?

    Any info is appreciated – thanks

    Reply

    • The website you have may have been one with loan-store in it? I am not giving a link as it is a website of an unauthorised lender – the FCA permission number and Companies House number are both false. If you borrowed from them, there is no way of getting any compensation.

      But it is more likely you borrowed from a lender who used to use that as a trading name. Unfortunately there are several of them… and some of them have gone bust… do any of the names on this list ring a bell? https://register.fca.org.uk/shpo_searchresultspage?search=loan+store&TOKEN=3wq1nht7eg7tr
      Do you have any emails relating to these loans?

      Reply

      • Hi Sara, I can’t locate any emails but i do remember using a company from Edinburgh and have a feeling it was one of the companies in the link that are no longer authorised, oh well another one that got away.
        My bank statements show so many companies that are no longer around – CFO, Tower Capital, Intime Finance, Cash Genie and of course Wonga and Wageday Advance (hopefully i will get something from the last two – albeit pennies in the pound).
        Do you know anything about Nine Regions? Loans2Go have advised that although they acquired the name Logbook Loans, the original company are in administration with PRAC – do you think i should follow up with them?
        Thank you for all your help.

        Reply

Leave a Reply

You have to agree to the comment policy.

This is the personal website of Sara Williams. For details see About Debt Camel.

Privacy policy

Comments Policy

If you need help with debts, read Good places for debt advice.

 

Subscribe to Debt Camel

Join the 3,000 people who receive an email when a new article is published:

Recent articles