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.
For all these emails put AFFORDABILITY COMPLAINT as the subject of the email.
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.
Contents
High Cost Short Term lenders – “payday lenders”
Anico Finance info@anicofinancialservices.com
Auden complaints@auden.co.uk
Bingo loans info@bingoloans.co.uk They are a lender and a broker. If they referred you to another lender, you should complain to that lender.
Cash 4 U Now info@cash4unow.co.uk
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 and put AFFORDABILITY COMPLAINT in capitals at the start of the message
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 customerservices@dotdotloans.co.uk put COMPLAINT as subject
Drafty (sister company to Lending Stream) complaints@drafty.co.uk
Fast Loan UK complaints@fastloanuk.co.uk
Fernovo complaints@fernovo.co.uk
Ferratum in liquidation customercare@ounapuu.co.uk
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
Lending Stream has switched off its complaints emails. You have to use their web form here.
Loan Pig info@loanpig.co.uk
Miss Payday Customercare@Miss-Payday.co.uk
Money Boat complaints@moneyboat.co.uk
Money Hive info@themoneyhive.co.uk
Money Platform kevin@themoneyplatform.com
Monkey Dosh see My Finance Club and put compliant about Mokey Dosh in the subject line
Mr Lender Send your complaint to both complaintsml@mrlender.co.uk and complaints@mrlender.co.uk. If you don’t get an acknowledgment in a week, phone them up and ask if they have received it.
My Finance Club support@myfinanceclub.com and put COMPLAINT as the subject
Myjar now in administration but send complaints to myjar@harrisons.uk.com with CLAIM as the subject.
MyKredit info@myKredit.com
NextCredit in administration but still send complaints to info@nextcredit.co.uk
Oakam now in administration but you can still complain to complaints@oakam.com
Payday Bad Credit complaint.handling@westerncircle.co.uk
Paydayloansnet / PDNET complaint.handling@paydayloansnet.co.uk
Pera Loans complaint.handling@peraloans.co.uk
Piggybank now in administration but complaints can still be sent to complaints@piggy-bank.co.uk
Polar Credit a sister brand of CashASAP complaint@polarcredit.co.uk
Quick Loan Shop info@thequickloanshopltd.co.uk
Quick Loans Express complaint.handling@quickloansexpress.co.uk
Quidie see Fernovo above. Make it clear in your complaint that you are complaining about a Quidie loan.
QuidMarket help@quidmarket.com
Safeloans no longer trading but complain to customercomplaints@sllcapital.co.uk
Safetynet Credit complaints@safetynetmail.co.uk
Savvy info@savvy.co.uk
Satsuma make a claim to the Scheme, see Provident/Satsuma Scheme
Smart Pig team@smart-pig.com
Speedloan see Herbert Brown
Stagemount see Quidmarket
Street UK see Track Loans
Swift Money Complaints@SwiftMoney.com
Tappily (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
THL Direct info@thl-uk.com
Tick Tock customerservice@ticktockloans.com
TM Advances info@tmadvances.co.uk
Track Loans loans@trackloans.co.uk
Txtloan – see MyJar
Wageday Advance they went bust! But a new lender now uses this name so if for loans from 2020 complain to complaints@wagedayadvance.co.uk
WageMe customer.services@wageme.com
Wizzcash – no longer lending but you can still complain complaints@wizzcash.com
Zebit trading name of Lending Stream, see above for how to complain.
Zippa complaints@zippa.com
100Pounds support@skyquid.co.uk
247 Moneybox now in administration but complaints can still be sent to customer.services@247moneybox.com
Payday lenders in administration or already liquidated
Myjar, Piggybank, Ferratum, oakam – these firms are in administration/liquidation and you can still send complaints in, see above for the email addresses of the claims page.
QuickQuid, Onstride, Pounds to Pocket, Wonga, Wageday Advance (Curo), Sunny (Elevate), Peachy (Cash on Go), the Money Shop, PaydayUK , Payday Express, Swift Sterling, 247 Moneybox, Uncle Buck – the deadline to submit claims has now passed.
The following firms 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:
- Access fast Money; Bonga Loans; Capfin (other brand names Ecash Window & EPDL); Cash Genie; Cash Choice; Cash Store; Cash365; Cheque Centre (other brand names the Loan Store & Square Today); CFO (other brand names Payday First, Flexible First, Money Resolve, Payday Advance); Dosh Loans; Different Money (previously called My Mate); Easy Finance Club; Forces loans (V Gates); Handycash; Lifeboat loans; Liquid Advance; Microlend; Money In Advance; Mini Credit; Open Door Loans; Payday First; Payday Overdraft; Perfect Payday; Pick A Payday; Pixie; Pogo Loans; Prime Payday; Purple Payday; Quid24; Response Funding (other brand name Fancy a Payday); Speed Credit; Speed-e-loans; Speedycash; Speedy Dosh; StepStone Credit; Swift Sterling loans before December 2015 – these were from a Malta-based lender and it is now too late to make claims about these old loans; Swift Sterling loans from 2016 onwards these loans were from a UK lender where it is too late to make a claim in administration; Toothfairy; Trusted Quid; Txt Me Cash; Umbrella Loans; Vivus; 1st Stop; 321 Cash;
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.
The info here may not be up to date. so the safe thing is for you to look in the company’s website to see how to make a complaint or what form to complete if the lender is in administration.
If you can’t locate the website, talk to the Financial Ombudsman about these firms.
Affordability complaints to other bad credit lenders
For Provident see Provident Scheme – what you might get and submit a claim.
For Amigo see Amigo’s Second Scheme
Lenders giving larger loans, including car finance & 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 or car finance 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 doorstep lenders such as Morses and Loans at Home, see Get a refund for unaffordable doorstep lending.
Guarantor lenders
For guarantor lenders such as UK Credit and TFS see How borrowers can get refunds from a guarantor loan OR Complaints by guarantors.
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
Gambling & affordability complaints
Payday loans? 3 reasons not to use a claims firm
Louise says
Hi Sara,
Quidmarket have told me the email address listed above (customercare@quidmarketloans.com) is incorrect.
Correct email is help@quidmarket.com
Sara (Debt Camel) says
thanks!
Kyle says
Anybody have an update on moneybox? I saw the last report in July but nothing since
Chris says
Hi Kyle. There has been some sort of development, albeit not much yet. If you’ve still got your 24/7 Moneybox account that you can log into, you will probably find that the ‘Redress’ section is back with a message from the administrators saying they are still working on it.
And there’s another part for updating your bank details for the redress, which suggests it must be getting close to the time. The problem I have found though is that most of the time, I can only log into it via my mobile, my desktop browser can’t seem to display it consistently, just now and again.
Emma says
I received a email this week asking me to login and update my bank details, saying I have 2 weeks to do it, hopefully a payment will he soon.
Chris says
Yes, I hope we will get a payment from them soon too. They have made us all wait for a ridiculous amount of time now!
Robert McCrea says
I checked my online banking this morning and see a payment of £6.10 from 247MB-UNSECUREDRESS, so they must be paying out now (although £6.10 didn’t get me THAT excited!). Best of luck on yours!
Damian says
Hi is 118 118 considered pay day loan and will it effect mortgage application
Sara (Debt Camel) says
how long was the loan term?
has it been repaid? any missed payments on it?
Damian says
1 k for 1year
I withdrew from the loan but shows as settled on my report
Sara (Debt Camel) says
and the interest was ?
Damian says
49.9 apr
They claim they are not a pay day lender
I have no other out standing credit everything has been cleared
Thanks
Sara (Debt Camel) says
then that won’t be categorised as a pay day loan.
Damian says
Thanks for quick response is it likely to have impact on remortgage you think ?
What APR they usually class as pay day loan may I ask ?
Thanks Damian
Sara (Debt Camel) says
over 100% and 1 year or less in length.
A mortgage lender can’t see who you took the credit from, it won’t be flagged as a payday loan and as it’s settled I would be surprised if they even notice it.
Andrew says
Hi Sara
I had loan after loan with payday express in 2014 £400 a month for 6 months. I can see from the above that the lender has dissolved and i cant make a claim against them. But this year i got a CCJ filled against me for the loan with interest for £761.27. I have tried to appeal with the corts and am awaiting their decision. Do i have a case with them as the lender has liquidated or my affordability wasn’t taken into account?
Any help from you would be massively appreciated.
Regards
Andrew
Sara (Debt Camel) says
So you have a CCJ already and you are trying to set it aside or appeal the judgment?
Or you have been sent court papers and you are trying to defend the case?
Andrew says
Hi Sara
I Have the CCJ already. I am trying to get the case dropped due to the letters and emails going to an old address and email address as this is a historic case.
Also who would be receiving the money from the CCJ if the company has dissolved?
Thanks Andrew
Sara (Debt Camel) says
who was the claimant for the CCJ – it is most likely to have been a debt collector that the debt was sold to, so the money is now owed to them, not to the original creditor.
Bob says
I’ve heard today that Ounapuu (formerly Ferratum) have gone into liquidation
Shireena says
Hi, please could someone let me know if I can submit an affordability complaint regarding pawnbroking? I’ve had jewellery in the store for almost 10years big just have to keep renewing the agreement because I can’t afford to pay the full amount to get them out. And advice would be appreciated!
Thanks
Sara (Debt Camel) says
I am afraid the affordability rules do not apply to pawn broking. I suggest you should talk to a debt adviser about your options here – phone National Debtline on 0808 808 4000.
Abi says
Hi Sara,
I’m being chased by a 3rd party for an outstanding balance on a payday loan from Peachy (Cash on Go).
Since Peachy is in administration, any tips on how to respond?
Many thanks
Sara (Debt Camel) says
It is now too late to make a claim to the administrators.
I am afraid this is a debt which you owe. What is the rest of your financial situation like?
Abi says
Thanks for the response, Sara.
The amount is below £200, which I am able to pay (begrudgingly, tho’)
I just thought I’d ask because if I had been aware earlier I would have made a claim and potentially got redress from them.
Sara (Debt Camel) says
They may well accept a settlement offer from you.
Marko says
Hi, I’ve only just learnt about affordability rules and wondered if somebody could help me please. I am in a DMP which I’ve been paying into for a few years – one of my debts is with Elevate after I had a couple of loans with Sunny that I could not keep up with. I’ve just seen via my TransUnion Credit report just how clear it was that I had affordability issues at the time with 30+ payday loans over the space of 12 months with them constantly overlapping just so I could pay the previous one.
I understand that Elevate / Sunny have now gone into administration and so they don’t have any money as such to reimburse any claims, however I am still having to repay an outstanding balance to them from the financial mess above.
Do I have any way to submit a claim against Sunny and request that a refund is applied to my outstanding balance? (£848 which I’m slowly paying back to “Asset Collections & Investigations”) or is this now a legitimate debt for this third party and I’ve missed any chance of appealing for a refund?
Thanks :)
Sara (Debt Camel) says
It is too late to make a claim to Sunny.
You can get the Sunny loans removed from your credit record by “suppressing” them, except for the last one that has been sold to ACI. See https://debtcamel.co.uk/correct-credit-records-lender-administration/
Do you have any other possible affordability complaints to make? Any other high cost credit? If you do, you need to make sure you take a copy of your credit record now, before the Sunny loans are removed. As this may help you with other complaints.
How large are the debts in your DMP? and what are you paying a month to it?
P L says
hi there, im having issues with Steadypay, they say their not like a payday company as they don’t charge interest ever, but on the small print you have to pay £4 weekly which means, £208 in 12 month weekly subscription.
now, they say they top up your wage when its gone down, and i had been furloughed last time like more than half of the country, and, my wage dropped, they advanced me i think £250 in 2 occasions, but i was made to pay one of the 3 instalments in advance so i could get another top up the following month, are you getting me?
this had became unaffordable and with my wage drops there was no way to afford .
this was the first top up £250 payable in 3 instalments of £83 taken off my wage, add to that £4 weekly (subscription)
the following month my wage was even lower so they gave me the option to get another £250, but not before i was taken £83 from the previous top up loan which had ended in £167 + £250 = £417
the month after i just couldn’t afford to pay £139 and my account was closed and defaulted and the usual bla bla bla of threats and harassment even, i had sent my Debt and Mental Heatlh Form.
I’ve complained about unaffordable lending and irresposible lending to this company, and also the fact they had ignored my mental health condition and kept bombarding me every single day with emails.
Just wanted with my personal experience with this company, it should be classed as payday lender
Sara (Debt Camel) says
You can take this complaint to the Finacial Ombudsman. They don’t charge payday lender rates of interest but those £4s add up and you can ask for a refund. And if they continued to bombard you after you had told them you had mental health problems, ask for compensation for that too.
Roman says
Hi
Does anyone knows if it too late or not to claim agaist SpeedyCash
Thank you
Sara (Debt Camel) says
too late. See the article above.
Katie T says
Do you have any information about Likely Loans please? They appear to still be in business, can I make a claim about irresponsible lending? Thanks
Sara (Debt Camel) says
the best template letter for them is on this page: https://debtcamel.co.uk/refunds-large-high-cost-loans/
Milhouuuuse says
Hi guys,
Not sure if this has been said but I’ve found 2 things:
1) My Finance Club require you to contact them via their online form (https://www.myfinanceclub.com/contact-us/)
2) LikelyLoans want you to contact them via Oakbrook (complaints@oakbrookfinance.com)
Thanks
John davies says
Was in an I.v.a and wizzcash was one of my creditors my I.v.a finished 2018 but wizzcash are still reporting my account with them in arrears
Sara (Debt Camel) says
See https://debtcamel.co.uk/repair-credit-record-iva/