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 firstname.lastname@example.org put COMPLAINT as subject
Drafty (sister company to Lending Stream) email@example.com
G&A Drapers firstname.lastname@example.org put COMPLAINT as the subject
Fast Loan UK email@example.com
Ferratum in liquidation firstname.lastname@example.org
Fund Ourselves email@example.com
H&T (Harvey and Thompsons) firstname.lastname@example.org
Herbert Brown email@example.com
Lending Stream You can use their web form here. or email firstname.lastname@example.org. If you don’t get an acknowledgment in a week, phone them up and ask if they have received it.
Loan Pig email@example.com
Miss Payday Customercare@Miss-Payday.co.uk
Money Boat firstname.lastname@example.org
Money Hive email@example.com
Money Platform firstname.lastname@example.org
Monkey Dosh see My Finance Club and put compliant about Monkey Dosh in the subject line
Mr Lender Send your complaint to email@example.com If you don’t get an acknowledgment in a week, phone them up and ask if they have received it.
My Finance Club firstname.lastname@example.org and put COMPLAINT as the subject
NextCredit in administration but still send complaints to email@example.com
Oakam now in administration but you can still complain to firstname.lastname@example.org
Payday Bad Credit email@example.com
Paydayloansnet / PDNET firstname.lastname@example.org
Pera Loans email@example.com
Piggybank now in administration but complaints can still be sent to firstname.lastname@example.org
Polar Credit a sister brand of CashASAP email@example.com
Quick Loan Shop firstname.lastname@example.org
Quick Loans Express email@example.com
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 firstname.lastname@example.org
Safetynet Credit now in administration
Smart Pig now in administration but send complaints to email@example.com
Speedloan see Herbert Brown
Stagemount see Quidmarket
Street UK see Track Loans
Swift Money Complaints@SwiftMoney.com
Tappily (sister brand to SafetyNet Credit) now in administration
The Credit Thing firstname.lastname@example.org with COMPLAINT as the title
The One Stop Money Shop (not related to The Money Shop): email@example.com
The Quick Loan Shop firstname.lastname@example.org
THL Direct email@example.com
Tick Tock firstname.lastname@example.org
TM Advances email@example.com
Track Loans firstname.lastname@example.org
Wageday Advance they went bust! But a new lender now uses this name so for loans from 2020 complain to email@example.com
Wizzcash – no longer lending but you can still complain firstname.lastname@example.org
Zebit trading name of Lending Stream, see above
247 Moneybox now in administration but complaints can still be sent to email@example.com
Payday lenders in administration or already liquidated
Cash4UNow, Piggybank, Ferratum, Oakam, Smart Pig – these firms are in administration/liquidation and you can still send complaints in, see above for the email addresses of the claims page. SafetyNet Credit and Tappiliy are in administration but there is likely to be no money for refunds.
QuickQuid, Onstride, Pounds to Pocket, Wonga, Wageday Advance (Curo), Sunny (Elevate), Peachy (Cash on Go), the Money Shop, PaydayUK , Payday Express, Satsuma, 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 lenders
Large loans, including car finance & logbook loans
For contact details for lenders such as banks, Avant Credit, Bamboo Loans, Everyday Loans, Loans2Go, Likely Loans, Moolr, On Stride, Savvy and 118 118 Money, and car finance lenders, see Refunds from largeloans and logbook loans.
The Provident Scheme has ended and it’s too late to complain. Morses has just started the process of setting up a Scheme and it is urgent that you make a complaint if you have an open loan. For other doorstep lenders such as Mutual, see Get a refund for unaffordable doorstep lending.
It is now too late to make a complaint to Amigo’s Scheme.
For guarantor lenders such as UK Credit and TFS see How borrowers can get refunds from a guarantor loan OR Complaints by guarantors.
Affordability complaints to bank and credit cards
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!