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.
Cash 365 – no longer trading, try firstname.lastname@example.org and talk to the Financial Ombudsman if that doesn’t work
Cash 4 U Now email@example.com (put COMPLAINT in the email title)
Cash Converters firstname.lastname@example.org
Cash Float email@example.com
Cash Generators use the contact form on their website
Cash Genie firstname.lastname@example.org in administration, see below.
Cheque Centre email@example.com
CFO (Capital Finance One) customer.relations@
Clear Account a brand name of SafetyNet Credit, see below.
Credit Star firstname.lastname@example.org
Dot Dot Loans no email for complaint, you have to write to them or use their contact form
Drafty (sister company to Lending Stream) email@example.com
Different Money in administration, see below.
Early Payday Loans (EPDL) now part of ECash Window
ECash Window firstname.lastname@example.org
Everyday Loans email@example.com
Express Finance and Express Finance (Bromley) see Payday Express
Fancy a payday firstname.lastname@example.org now changed name to Response Lending, see below
Fast Loan UK email@example.com
Ferratum firstname.lastname@example.org (emails should be sent from your registered email address)
Forces loans email@example.com
Fortress use the Sunny email
H&T (Harvey and Thompsons) firstname.lastname@example.org
Herbert Brown email@example.com
Ladder Loans now taken over, see the Money Shop
Lending Stream firstname.lastname@example.org was their old email address, now they have a new one email@example.com
Liquid Advance no longer trading. Try their debt collectors: Capital Resolve debt collectors, they have handled one reader’s complaint: firstname.lastname@example.org
Loans4U / Loans4You the FCA issued a warning that this lender was unauthorised. As a result, any complaints can’t be taken to the Ombudsman.
Microlend in administration, see below.
Minicredit If your loan was sold to Kapama/Opos, complain to them: email@example.com . If it wasn’t then Minicredit is in administration (see below).
Miss Payday Customercare@Miss-Payday.co.uk
Money Boat firstname.lastname@example.org
Money Hive email@example.com
Money In Advance, no longer trading, try firstname.lastname@example.org and talk to the Financial Ombudsman if that doesn’t work
Money Platform email@example.com
Money Shop firstname.lastname@example.org
Monkey Dosh email@example.com
Month End Money part of the PDUK group
Mr Lender firstname.lastname@example.org
My Jar email@example.com
My Mate now called Different Money
Oasis Finance / Oasis Payday use the Sunny email
Payday Advance a brand name of CFO, see above.
Payday Express / Payday UK / PDUK firstname.lastname@example.org These are very slow at responding – there are reports that you can get a Statement of Account if you phone 0800 280 2548. These have stopped making new loans but the company is NOT broke and they are still looking at complaints and paying out.
Pixie now liquidated, Financial Ombudsman not taking complaints
Provident – see Get a refund for doorstep lending as the complaints are a bit different. Contact details in that article.
Pogo Loans email@example.com
Pounds Till Payday part of the Malta-based Northway group, see Swift Sterling
Pounds To Pocket firstname.lastname@example.org
Quick Quid email@example.com
Quick Loan Shop firstname.lastname@example.org
Quid.co.uk use the Sunny email address
Response Funding email@example.com
Safeloans no longer trading but complain to firstname.lastname@example.org
Safetynet Credit email@example.com
Smart Pig firstname.lastname@example.org
Speedloan see Herbert Brown
Speedy Cash UKComplaints@SpeedyCash.com They have now closed, but they are not (so far as I know) in administration If this email doesn’t work, try Wageday Advance’s email (they are a sister company) and if they reject your complaint, talk to the Financial Ombudsman.
Square Today email@example.com
Stagemount see Quidmarket
Street UK see Track Loans
Sunny firstname.lastname@example.org (if you are complaining about another brand, make it clear which one)
Swift Money Complaints@SwiftMoney.com
Swift Sterling email@example.com (Malta based – see Swift Sterling & Pounds Till Payday article for more details)
Think Finance – use the email for Sunny
Tick Tock firstname.lastname@example.org
TM Advances email@example.com
Toothfairy – in administration, see below.
Track Loans firstname.lastname@example.org
Trusted Quid email@example.com
Txtloan – a trading name of MyJar so firstname.lastname@example.org
Uncle Buck email@example.com
Vivus firstname.lastname@example.org Vivus have withdrawn from the market. They are not yet in administration.
Wage Day Advance email@example.com
Zebit trading name of Lending Stream so firstname.lastname@example.org
1 month loan / 1 month money use the Sunny email
1st Stop email@example.com
247 Moneybox firstname.lastname@example.org
Bad credit lenders giving larger loans
(these typically have APRs of under 100% – but because the loans are larger and for longer the interest can be huge. The same affordability rules apply to them as payday lenders)
Avant Credit email@example.com
Bamboo Loans firstname.lastname@example.org
Everday Loans email@example.com
Likely Loans firstname.lastname@example.org and put COMPLAINT in the title
On Stride high-cost large loan brand of QuickQuid email@example.com
118 118 Money firstname.lastname@example.org
For contact details for doorstep lenders such as Provident and Morses, see Get a refund for unaffordable doorstep lending.
Firms in administration
The following firms are currently in administration – these means they have gone bust!
- Toothfairy; Cash Genie; CFO; Microlend; Different Money.
If you are just starting a claim against any of these you need to be aware that there may be no money to pay any redress. If you have a small claim you may decide it’s not worth bothering with. If your claim is large, you should talk to the Financial Ombudsman to see what you should do, if any anything.
Anything missing or wrong?
If there is a missing lender, or you think one of these addresses is wrong, please leave a Comment at the bottom of this article.
A good place to try to track down old lenders is the FCA Register, as this lists firms brand names as well as their company names and also sometimes shows details for firms that have ceased trading.
If you still aren’t having any luck, then try the Financial Ombudsman’s complaints line – they are very friendly!
What if the lender ignores your email?
If you don’t get some form of acknowledgement within a few days, I suggest sending another email asking them to confirm they have received your previous email. If you don’t get any reply within a week, I suggest phoning them or use a “Live chat” facility on their website.