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 firstname.lastname@example.org
Bingo loans email@example.com They are a lender and a broker. If they referred you to another lender, you should complain to that lender.
Cash 4 U Now firstname.lastname@example.org
Cash Converters email@example.com
Cash Float firstname.lastname@example.org
Cash Generators use the contact form on their website and put AFFORDABILITY COMPLAINT in capitals at the start of the message
Clear Account a brand name of SafetyNet Credit, see below.
Credit Star email@example.com
Dot Dot Loans no email for complaint, you have to write to them or use their contact form
Drafty (sister company to Lending Stream) firstname.lastname@example.org
Express Finance and Express Finance (Bromley) see Money Shop
Fast Loan UK email@example.com
Ferratum firstname.lastname@example.org (emails should be sent from your registered email address)
Fortress see Sunny.
H&T (Harvey and Thompsons) email@example.com
Herbert Brown firstname.lastname@example.org
Ladder Loans see the Money Shop
Lending Stream has switched off its complaints emails. You have to use their web form here.
Liquid Advance no longer trading. Try their debt collectors: Capital Resolve debt collectors, they have handled one reader’s complaint: email@example.com
Loan Pig firstname.lastname@example.org
Miss Payday Customercare@Miss-Payday.co.uk
Money Boat email@example.com
Money Hive firstname.lastname@example.org
Money Platform email@example.com
Monkey Dosh firstname.lastname@example.org
Mr Lender Send your complaint to both email@example.com and firstname.lastname@example.org. If you don’t get an acknowledgement in a week, phone them up and ask if they have received it.
My Finance Club email@example.com and put COMPLAINT as the subject
Myjar now in administration but send complaints to firstname.lastname@example.org
NextCredit in administration but still send complaints to email@example.com
Oasis Finance / Oasis Payday use the Sunny email
Payday Bad Credit firstname.lastname@example.org
Paydayloansnet / PDNET email@example.com
Pera Loans firstname.lastname@example.org
Piggybank now in administration but complaints can still be sent to email@example.com
Polar Credit a sister brand of CashASAP firstname.lastname@example.org
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
Quick Loan Shop email@example.com
Quick Loans Express firstname.lastname@example.org
Quid.co.uk use the Sunny email address
Quidie see Fernovo above. Make it clear in your complaint that you are complaining about a Quidie loan.
Safeloans no longer trading but complain to email@example.com
Safetynet Credit firstname.lastname@example.org
Smart Pig email@example.com
Speedloan see Herbert Brown
Stagemount see Quidmarket
StepStone Credit firstname.lastname@example.org
Street UK see Track Loans
Swift Money Complaints@SwiftMoney.com
Tappily (sister brand to SafetyNet Credit): email@example.com
The One Stop Money Shop (not related to The Money Shop): firstname.lastname@example.org
The Quick Loan Shop email@example.com
Think Finance – use the email for Sunny
THL Direct firstname.lastname@example.org
Tick Tock email@example.com
TM Advances firstname.lastname@example.org
Track Loans email@example.com
Txtloan – see MyJar
Zebit trading name of Lending Stream, see above for how to complain.
1 month loan / 1 month money see Sunny.
247 Moneybox now in administration but complaints can still be sent to firstname.lastname@example.org
Payday lenders in administration or already liquidated
Myjar, 247 Moneybox, Piggybank, Swift Sterling – these firms have only recently gone into administration, 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 – the deadline to submit claims has now passed.
Uncle Buck – there are no funds for distribution to customers whose loans have been settled.
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; Capfin (other brand names Ecash Window & EPDL); Cash Genie; Cheque Centre (other brand names the Loan Store & Square Today); CFO (other brand names Payday First, Flexible First, Money Resolve, Payday Advance); 1st Stop; 321 Cash; Bonga Loans; Cash Choice; Cash Store; Cash365; Dosh Loans; Different Money (previously called My Mate); Easy Finance Club; Forces loans (V Gates); Handycash; Lifeboat loans; 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; 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; 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.
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
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.
For doorstep lenders such as Provident and Morses, see Get a refund for unaffordable doorstep lending.
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!