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.
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
Cash On Go see Peachy
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
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
Fast Loan UK complaints@fastloanuk.co.uk
Fernovo complaints@fernovo.co.uk
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
Loan Pig info@loanpig.co.uk
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 in a Scheme of Arrangement, see below.
Monkey Dosh complaints@monkeydosh.com
Month End Money see the Money Shop
Mr Lender complaintsml@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 in administration but still send complaints to info@nextcredit.co.uk
Oasis Finance / Oasis Payday use the Sunny email
Oakam complaints@oakam.com
OnStride see QuickQuid
Payday Advance a brand name of CFO, see above.
Payday Bad Credit complaint.handling@westerncircle.co.uk
Payday Express / Payday UK / PDUK in a Scheme of Arrangement, see below.
Paydayloansnet / PDNET complaint.handling@paydayloansnet.co.uk
Payday Store – see the Money Shop
Peachy now in administration but complaints can still be sent to complaints@peachy.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
Provident – see Get a refund for doorstep lending as the complaints are a bit different. Contact details in that article.
Pounds Till Payday see Swift Sterling
Pounds To Pocket see QuickQuid.
Quick Quid now in administration but complaints can still be sent to 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
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 now in administration – the deadline for complaints has passed.
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. Now in administration but send complaint to complaints@swiftsterling.co.uk
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
Think Finance – use the email for Sunny
THL payday@thl-uk.com
Tick Tock customerservice@ticktockloans.com
TM Advances info@tmadvances.co.uk
Track Loans loans@trackloans.co.uk
Txtloan – a trading name of MyJar so complaints@myjar.com
Uncle Buck in administration but still send complaints to info@unclebuck.tv
Wage Day Advance now in administration – the deadline for complaints has passed.
WageMe customer.services@wageme.com
Wizzcash complaints@wizzcash.com
Wonga in administration – the deadline for complaints has now passed.
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 now in administration but complaints can still be sent to customer.services@247moneybox.com
Payday lenders in administration or already liquidated
Wonga – the deadline to submit claims has now passed, see Latest news on refunds from Wonga for details.
Wageday Advance (and Speedy Cash) – the deadline to submit claims has now passed, see Wageday Advance – Latest News.
QuickQuid, 247 Moneybox, Piggybank, Swift Sterling, Nextcredit, Peachy, Uncle Buck – these firms have only recently gone into administration, you can still send them complaints to their normal email addresses (see above).
Money Shop, Payday UK, Payday Express – in a Scheme of Arrangement – this is like administration. See Money Shop – Latest news for details.
The following other firms have also stopped trading and/or may be in administration – the process of gone bust!
- Microlend; Toothfairy; Capfin (Ecash Window & EPDL); Trusted Quid; Fancy a payday; Response Lending
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:
- Access fast Money; Cash Genie; Cheque Centre (other brand names the Loan Store & Square Today); CFO; 1st Stop; 321 Cash; Bonga Loans; Cash Choice; Cash Store; Cash365; Dosh Loans; Different Money; Easy Finance Club; Forces loans (V Gates); Handycash; Lifeboat loans; 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; Speed Credit; Speed-e-loans; Speedy Dosh; Txt Me Cash; 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.
Affordability complaints to other bad credit lenders
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 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 Provident and Morses, see Get a refund for unaffordable doorstep lending.
Guarantor lenders
For Amigo and other guarantor lenders, 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
Examples of gambling & payday loan refunds
Payday loans? 3 reasons not to use a claims firm
ROBERT says
Is there a template to complain about an unaffordable overdraft by HBOS?
Anybody make a complaint along these lines?
Sara (Debt Camel) says
See https://debtcamel.co.uk/refunds-catalogue-credit-card/. These complaints seem to be much harder to win.
karala says
Loans 2 go are not on this list. can i get a refund from them?
Sara (Debt Camel) says
You bet!
Read https://debtcamel.co.uk/worst-loan-in-britain/
Lucas C says
Hello :) Since Moneyshop is heading for closure and they don’t do loans anymore should i fill the claim against them or wait for the voting results and possible refund? I had few loans with Payday uk, money shop etc.
Sara (Debt Camel) says
Voting has now closed on their proposed Scheme. Assuming it is approved, a page to submit a Claim will be set up – there is nothing for you to do until then. See https://debtcamel.co.uk/money-shop-to-close-two-million-customers-will-be-informed/ for all the latest news on this.
Peter says
Hi are Trusted Quid still trading? Thanks
Sara (Debt Camel) says
no they aren’t. they went into administration. You need to talk to FOS to see if a complaint against them is worth pursuing.
Danielle says
I had a lot of loans with the cash store and now can’t find any trace of them any advise?
John says
Has anyone had any dealings with Cash Float?
WENDY says
how do i complain to simply be catalogue about affordability complaint
Sara (Debt Camel) says
See https://debtcamel.co.uk/refunds-catalogue-credit-card/
Andy says
The Fernovo email is incorrect – it is actually complaints@fernovo.co.uk
Just finished contacting my lenders – fingers crossed I get some good news back!
Sara (Debt Camel) says
thanks!
John says
Hi is there any5hing in regards to accompany called loans2go who are absolute sharks?
Sara (Debt Camel) says
you bet: https://debtcamel.co.uk/worst-loan-in-britain/
Kelsey says
Hi, I am struggling to find info for ‘theloanstoreuk’
Can you advice?
Natalie says
Hi I have sent my complaint to a few of the listed and one has come back asking for multiple bank statements and pay slips. I’m not sure I feel comfortable with this, do I have to send this over ?
Thanks
Franki says
Thank you so much for creating this website you are a god send and I am so grateful
Ben says
Hi, I had a number of loans with western circle Ltd. Any idea of their contact details?
Many thanks
Sara (Debt Camel) says
are these cash float loans? if so complaint.handling@cashfloat.co.uk
Ben says
Actually thinking back they probably were.
Many thanks
Ellie says
Hi there, I have been going through all my bank statements over the last 7 year and found payment going into my account noted SPEEDCREDIT. Does any one have any idea which loan company that would be or how I could find out? Any help would be great 😊
Sara (Debt Camel) says
I think that was a brand of MCO Capital which was shut down by the regulator in 2012. If so, there is no chance of any refund, it is long gone.
Alex says
Hi Sara,
I’ve sent an affordability complaint to 247moneybox, 03.11.19 and never heard back from them. I still have an outstanding balance with them. Despite them having gone into administration, shouldn’t have they replied within 8 weeks and should I continue to chase as they aren’t chasing me to pay, whilst having missed 2-3 monthly payments since administration.
By the way, your information on here changes lives, financially and mentally!
Thank you,
Alex
Anzzzz says
I had the same. They went into administration close to this time. It’s now a case of just waiting for the administration to happen. We narrowly missed the boat and have to wait now. Limited info on their website.
Anzzzz says
I had a decent offer from EPDL for two loans recently, but for some reason they are declining to add a third loan from 2007. What can I do to make them accept this also ? Apparently I have 7 days to answer or give more info..
Sara (Debt Camel) says
They are in administration. Unless there is some evidence you have about your finances in 2007 – which sounds unlikely – there may be nothing you can do.
Anzzzz says
Thanks Sara. I’m dealing with pwc the administrator. All I have sent them is the two claim forms about the two loans in 2012, and then found out from pwc that they also realised I had one in 2007. I tried to claim a little more as I had a feeling I had an old one. How come they can accept two from 2012 but not the 2007 one ? All loans were paid back in full.
Sara (Debt Camel) says
Probably they can’t see anything on their system that suggests problems with the 2007 loan. That may be because there was very little info about it.
Anzzzz says
Thanks very much. I’ll see what I can do.
Helen says
Hi I had loans from the loan store. I can not find any information about claiming
Sara (Debt Camel) says
It was a brand name of Cheque Centre. Now in administration – I don’t think there is any more money to be paid out. You can ask the Finacial Ombudsman to be sure but this is probably too late.
Helen says
Sorry it was called the cash store.
Sara (Debt Camel) says
They went bust in 2014.
Helen says
Ok so it’s to late now. Thanks
Karen H says
Hi Sara
I’ve taken out loans with Payday express & Payday UK in the past. Are these companies still trading or in administration? Had a few loans with them & thinking might be worth trying to get some redress from them.
Thanks for all your help on here
Sara (Debt Camel) says
They are in a scheme of arrangement, which is like administration. You need to put in a claim to them asap, see https://debtcamel.co.uk/money-shop-to-close-two-million-customers-will-be-informed/ for how to do this.
Simon says
Hi Sara,
Great website, I’ve used it a few times for contact details for companies and to find out that moneyshop were in administration nad hadn’t contacted me.
There are some companies I had loans with around 2010/2011 and have tried to contact them to request details of my accounts but contact details I have from old emails do not work and I can’t find anything online about them. I’ve looked at your list but can’t see them there either so I am hoping you can help.
Pounds2day, Debitcardloans.co.uk, Paydayloansltd.co.uk, Chequebookloans.co.uk
Also 1ststoploans or 1st stop finance. They say they have no info about me whatsoever and inititally said it must be different company but the contact details I have from the loan are the same as on their site now. Can I still complain and if so how, if they say they cannot see any info about me at all?
Albermarle & Bond who I heard were selling to H & T but cannot find any current pages online about it. Who would I request info from for Albermarle loans? Also I am unsure if I paid them off due to financial circumstances, what would happen if I had not paid them off fully and I contact them for info after all this time? I have already won a complaint with H & T for their own loans recently.
Thanks for your help,
Simon
Mel says
Hi,
Does anyone know what happened to Different Money and how I would go about a complaint to them? I see them referenced in the list but no contact details.
Sara (Debt Camel) says
The company was dissolved in 2018. Sorry, it is too late to make a complaint.
Peter North says
Thanks for all the help on this site was disappointing with wonga accepted claim 500 still waiting on around £20
Had success with places for people £150 written off and today I had a final response from H&T
They said they didn’t uphold my complaint however still refunded interest on 3 loans
£1547.46
Esopa says
Hi Sara,
this website has been a godsend but cant seem to find any information or contact details for INSTANT CASH LOANS.
any help?
Sara (Debt Camel) says
See https://debtcamel.co.uk/money-shop-to-close-two-million-customers-will-be-informed/ for details, they are in administration and you MUST enter a claim on the page they have set up ASAP.
emma says
Hello what happened to vivus loans please? Also if you have an outstanding loan with company but also had previous loans out and paid them back continuous one after the other can you apply for a refund, where do you stand thank you so much for reading
Emma
Kieran says
Does anyone know thl will appear on credit file? Thank you
Chazzlebazzle says
I have a old complaint against Welcome Finance, are there any details available & what is my chance of success.
Sara (Debt Camel) says
What sort of complaint?
Stuart says
Any one know the details of the administration of mini credits loans i need email address the adminstrator is
Ideal Corporate Solutions Limited, Lancaster House, 171 Chorley New Road, Bolton, BL1 4QZ
Sara (Debt Camel) says
try andrew.rosler@idealcs.co.uk but so far as I know the company is now in liquidation.
Stuart says
I know i have been advised the adminstrator can void the debt to stop collection from opos who are pursuing me 4 years on thankz
Sara (Debt Camel) says
let me know how you get on!
Keith says
Do you know if credio has creased trading in the UK? I made an affordability complaint exactly 8 weeks ago but I have noticed that on their website it states “ Casbhridge Corporation Ltd t/a Credio is currently not operating in the UK market” Not sure what to do now? Any advise would be much appreciated
Sara (Debt Camel) says
They still seem to be FCA authorised.
I suggest you phone 020 3290 6076 and ask what has happened to your complaint.
Alex F says
Sara, this website is brilliant. Thus far, every single company has final lettered me stating not upholding my complaint, bar one – Safety net credit, which has offered to pay me back my interest of £105.
I have referred the majority to the financial ombudsman, Uncle Buck, QQ, Sunny, Satsuma, you name it. I’ve had some 60 plus loans with these companies over the years.
I have also referred unsecured loans from 118, and Bamboo loans. What is your experience of people getting money back through these sort of companies?
Sara (Debt Camel) says
Lots of people have won complaints against 118 and Bamboo, but they are slow. If you have financial problems at the moment and owe balances to these companies, I suggest you look at a Debt management plan while the complaints go through