Debt Camel

Answers to questions about debts and credit ratings - in plain English!

Payday lenders – email addresses for complaints

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.

Payday lenders

Cash 365 – no longer trading, try terryohare@cash365.com and talk to the Financial Ombudsman if that doesn’t work
Cash 4 U Now info@cash4unow.co.uk  (put COMPLAINT in the email title)
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 Genie complaint@cashgenie.co.uk in administration, see below.
CashPlus complaints@apsgroup.com
Cheque Centre in administration, see below 
CFO (Capital Finance One) – in administration, see below.
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
Different Money in administration, see below.
Early Payday Loans (EPDL)  &  ECash Window customercare@ecashwindow.com in administration
Everyday Loans complaints@everyday-loans.co.uk
Express Finance and Express Finance (Bromley) see Payday Express
Fancy a payday info@fancyapayday.co.uk now changed name to Response Lending, see below
Fast Loan UK complaints@fastloanuk.co.uk
Fernovo complaints@fernovo.com
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 now taken over, see the Money Shop
Lending Stream complaints@lendingstream.co.uk was their old email address, now they have a new one  payments@lendingstream.co.uk
Liquid Advance no longer trading. Try their debt collectors: Capital Resolve debt collectors, they have handled one reader’s complaint:  complaints@capitalresolve.com
Loans4U / Loans4You the FCA issued a warning that this lender was unauthorised. As a result, any complaints can’t be taken to the Ombudsman.
Lolly sales@egouk.co.uk
Microlend in administration, see below. 
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 account.services@themoneyshop.com
Monkey Dosh complaints@monkeydosh.com
Month End Money part of the PDUK group 
Mr Lender complaints@mrlender.co.uk
My Jar complaints@myjar.com
MyKredit  info@myKredit.com
My Mate now called Different Money
NextCredit info@nextcredit.co.uk
Oakam complaints@oakam.com
Oasis Finance / Oasis Payday use the Sunny email
Payday Advance a brand name of CFO, see above.
Payday Express / Payday UK  / PDUK customer.relations@paydaycontact.co.uk  These have stopped making new loans but the company is NOT broke and they are still looking at complaints and paying out.
Payday First – see CFO.
Payday Store – see Payday Express
Peachy complaints@peachy.co.uk
Piggybank complaints@piggy-bank.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 part of the Malta-based Northway group, see Swift Sterling
Pounds To Pocket complaint@poundstopocket.co.uk
Quick Quid complaint@quickquid.co.uk
Quick Loan Shop info@thequickloanshopltd.co.uk
Quid.co.uk use the Sunny email address
Quidie complaints@quidie.com
QuidMarket customercare@quidmarketloans.com
Response Funding info@responsefunding.co.uk
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 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 customerservice@chequecentre.co.uk
Stagemount see Quidmarket
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  Malta based – see Swift Sterling & Pounds Till Payday article for more details
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
Toothfairy  – in administration, see below.
Track Loans loans@trackloans.co.uk
Trusted Quid service@trustedquid.co.uk
Txtloan – a trading name of MyJar so complaints@myjar.com
Txt Me Cash – see Cash Genie
Uncle Buck info@unclebuck.tv
Wage Day Advance complaints@wagedayadvance.co.uk
WageMe customer.services@wageme.com
Wizzcash complaints@wizzcash.com
Wonga is now in administration but complaints can still be made to customercomplaints@wonga.com
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 customer.services@247moneybox.com

Payday lenders in administration or already liquidated

Wonga  – see  Latest news on refunds from Wonga for details.

The other following firms are currently in administration – these means they have stopped trading and are in the process of gone bust!

  •  Cash Genie; Cheque Centre; CFO; Different Money; Microlend; Toothfairy; Capfin (Ecash Window & EPDL).

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,  and I don’t think the Ombudsman is taking complaints:

  • 1st Stop;  321 Cash; Bonga Loans; Cash Choice; Easy Finance Club; Forces loans (V Gates); Handycash; Lifeboat loans; Money In Advance;Mini Credit; Open Door Loans; Perfect Payday; Pick A Payday; Pixie; Pogo Loans; Prime Payday; Purple Payday; Quid24; Speed Credit; Speed-e-loans; Speedy Dosh; 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.

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.

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.

For contact details for lenders such as Avant Credit, Bamboo Loans, Everyday Loans, Likely Loans, Moolr, On Stride, Savvy and 118 118 Money, see Refunds from large, high cost, bad credit loans.

Doorstep lenders

For contact details for doorstep lenders such as Provident and Morses, see Get a refund for unaffordable doorstep lending.

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!

More Debt Camel articles:
Could you get a payday loan refund?

Could you get a payday loan refund?

Examples of gambling & payday loan refunds

Examples of gambling & payday loan refunds

Payday loans? 3 reasons not to use a claims firm

Payday loans? 3 reasons not to use a claims firm

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Comments

  1. Pixie Loans are now in liquidation as of 15th February 2018 – the ombudsman are stopping all complaints against them as a result.

    Reply

      • Hi , Akhtar? I take out loan 2011 from minicredit then they sold by opos limited last month I send them your template letter and they send me only stetment now can u tell me please what I have to do next

        Reply

  2. FML or FLM loans? Taken over by Amigo – if loans were taken out and paid back.. who takes the responsibility? Amigo? Confused. TIA

    Reply

    • You can complain to Amigo, but if the loan was repaid before the takeover you may have the complaint rejected.

      Reply

  3. Can anyone advise me of the contact for instantcashloans?
    Also just noticed that satsuma appear as provident on my credit report, who should i complain to?

    Reply

  4. Evening,

    I’m starting my claim against a few that include Wonga, PDUK and Lending Stream.

    I have on my bank statement a company called W Ltd T/A AS P SW crediting my account and PayDay Overdraft withdrawing. Can’t find any info about the company to claim against them and can’t see nothing on the list. Can anyone advise?

    Also, during my peak borrowing back in 2013 I used a 6-7 different payday loan companies. Taking out loans to pay another and also had a terrible gambling problem as a result. My smallest loan with Uncle Buck £285 defaulted, ended up going to court and a CCJ was awarded against me. This has since been marked as satisfied as i had no choice to pay. Do I have a case to have the CCJ removed from my credit file given my circumstances at the time?

    Thanks in advance,
    Lee

    Reply

  5. I had a loan with minicredit for £100
    asset collections have bought the debt an say i should be paying 1,190.50
    What can I do about this?

    Reply

  6. I had payday loans from purple payday. Can I claim against them? If so do you have an email address I can complain to?

    Reply

  7. Had a reply from pounds to pocket , saying they are part of quick quid , is this correct ? I have been paid out, and they said the case has been settled?

    Reply

    • My understanding is that they are owned by the same company but separate loans. I have complained to the FO separately.

      Reply

  8. How do I contact speed credit ?. Are they digital financial services ltd? . Does anyone know?

    Reply

  9. Hi,

    I have had a response from 1st Stop Home Loans saying that they have no record of ever giving me a Payday loan. Looking at my bank statements I had three loans from 1st Stop Home Loans. They have responded by saying that previous trading names for Clear Recoveries Ltd are not connected to the current First Stop group Ltd. I’m confused.
    Is this the end of the line for this complaint? Or should I go straight to the FCA with the information I have? Any advice gratefully received!

    Reply

    • Hi Liz,
      I had confirmation from the FOS that 1st stop are no longer in existence under the same name and therefore the case I had was rejected within a week.
      I have a suspicion yours will be the same

      Reply

    • Hi Liz,

      I have a past email from them in 2013 detailing their bank details to pay them back for a payday loan I took out…

      Bank Name: Barclays Bank – Birley Street Blackpool
      Account Name: 1st Stop Group Ltd
      Account Number: ********
      Sort Code: 20-10-03

      This is the company that they traded under for their payday loans, which was formed in 2005 and is still active:
      https://beta.companieshouse.gov.uk/company/05438114

      Which is also detailed on here:
      https://www.1ststop.co.uk/contact-us

      Having approached them I have been referred to contact ‘TM Legal’ on 0330 808 1505. I’ve yet to contact them.

      Clearly their pulling the wool over FOS’s eyes…

      Reply

    • I have put mine through Resolver. They haven’t responded at all.
      Just a waiting game.
      Nothing ventured nothing gained!

      Reply

  11. i had several loans with 1st stop and contacted them via the details on here. Had a response that 1ststop.co.uk (as listed on here) where not affiliated with 1st stop payday loans and the company i need to chase is clear recoveries. after a little digging i have found they have been dissolved. is there anything further i can do or is that it?

    Reply

    • I sent my 1st stop complaint to the FOS and got a response back quickly saying (paraphrasing) they have been dissolved and there is no way of getting the complaint heard.

      Unfortunately we’re several months too late.
      All the best ????

      Reply

  12. Hi Sara,

    Am I able to complain to high street lender ‘loans 2 go’? This lender was the largest lender in my case and I paid hundreds if not thousands in interest over 2/3 loans in the past 4 years.

    Thank you for your help so far

    Reply

  13. Hi
    Can anyone help in regards to the payday loan company Cash Genie. I apparently owe them £131 and it has been passed to MMF to collect who keep adding defaults monthly to my credit file for none payment. Any advice would be great.
    I have some payday complaints with the FOS at present and have already had a refund from Wonga, quid.uk and debts settled by My Jar.

    Many thanks

    Laura

    Reply

  14. This is the email received back for Vivas loans

    V7 Limited trading as Vivus.co.uk assigned (sold) all of its loan accounts with outstanding balances:

    – on 9th May 2017 to Merligen Investments Limited, Rosemount House, Rosemount Avenue, West Byfleet, Surrey KT14 6LB, UNITED KINGDOM. Tel: 0203 126 4544

    or

    – on 30th June 2017 to Motormile Finance UK Limited, Protection House, 83 Bradford Road, Leeds, LS28 6AT. Tel: 0113 887 6876, customerservice@mmile.com. – Note Motormile will be in touch with more information shortly

    You will have received a notification from Vivus confirming to which of the two businesses above your outstanding loan account balance has been assigned. Please note that V7 Ltd trading as Vivus.co.uk, from the dates above no longer hold account details for your outstanding loan, and therefore cannot deal with any queries in relation to these loans. Please contact Merligen or Motormile as appropriate

    Problem is I owe Motormile from a previous debt. Any advice please?

    Reply

  15. I got a loan with Avant Credit which I’m still paying, I was on a debt management plan when I got this loan and was also suffering anxiety and depression. Could I still put in a complaint? I’m having to spend on credit cards to cover my monthly costs too.

    Reply

    • Yes you can. Have a look at your credit record now and work out what Avant should have seen when they looked when you applied for the loan – there would presumably have been defaults and arrangement to pay markers. In this situation they shouldn’t have given you a new loan for new purchases. And if you said you wanted to consolidate date, they should have enquired more, as consolidating debt when you are in a DMP and interest is frozen doesn’t make any sense.

      people have won cases against Avant.

      Reply

      • Hi, I contacted Avant and they said because of what my expenses said on my application form the loan they gave was affordable despite me borrowing on credit card which were nearly maxed out and on a debt management plan they deemed the loan affordable. I have looked at their application form now and it states include all debt for your monthly outgoings. I have a copy of my application and it doesn’t state this on the monthly outgoings section so I didn’t include it.

        I have made all payments on time only because I didn’t want a missed payment on my credit file because I’m looking to get on the property ladder and I was still borrowing on my credit cards.

        Should I still pursue through the ombudsman. I have finished my DMP now but I don’t think I should have been given the loan in the first place.
        Many Thanks

        Reply

        • Definitely send it to the Ombudsman. Tell Avant you are doing this. The fact that you have a copy of your application form and it didn’t say to include other debts is a very good point – they have clearly changed the form as they realise the old one wasn’t accurate. Aavant should also have checked your record, and if that showed debts that you hadn’t put on your form, then Avant should have stopped and looked into your situation in more detail.

          I am going to move your comment to here https://debtcamel.co.uk/payday-loan-refunds/ in a few days as that is a better place for general questions.

          Reply

  16. Hi Sara,

    How long to they have to reply? I sent one to lending stream on April 25th and am yet to hear. Thanks

    Reply

  17. I got caught up with payday loans about 4 years ago. I no longer have details of the loans, interest, charges or what I owe. Can I do a ‘SAR’ letter to the companies concerned and if so do I use the email,addresses you’ve listed about for this or should I do a letter to post? Thank you

    Reply

  18. Has anyone complained to the administrators for tooth fairy? I know they went bust however is it worth a punt?

    Reply

  19. Hi ya

    I recently realised I could claim irresponsible lending after 11 companies lent me £19,000 over 15 months and I payed back £23,000. At the time I was 2 years out of a bankruptcy which was still on my credit file. I had a good job but once I took out one I was caught in a spiral, at my worst my wages 3K was going in and straight back out so I had to borrow again.

    I hope I can get some back but still embarrassed about being so stupid, finger crossed.

    Can I ask what to do if a company say they were a broker not a lender ?

    Thanks

    Martin

    Reply

    • You need to find out who the lenders were – you can’t make a claim against a broker. Good luck!

      Reply

  20. Hey,

    hopefully someone might be able to help answer a few questions:

    a) the 8 week date – is this from the initial email requesting the SAR or from their acknowledgement or response?
    b) with FOS what is the current timescale?
    c) has anyone had much luck with loans over 6 years old or loans which include just under 6 years and over?

    thanks!

    Reply

    • a) from the initial email – that isn’t just requesting a SAR it says you are making an affordability complaint and that starts the complaint clock ticking.
      b) it depends how fast the lender passes over the case file. Also some lenders will make a reasonable offer to settle after a debt has been with the Ombudsman for a couple of months. But 10-14 weeks until its picked up by an adjudicator is a guide.
      c) again it depends on the lender eg PDUK and PDExpress are routinely paying out on over 6 year claims.

      Reply

    • thanks for the answers Sara.

      So with the 8 weeks for example PDUK are telling me that getting the SAR info can take up to 8 weeks so if they send me this information at 8 weeks and I then put the complaint in they then have another 8 weeks to respond?

      Reply

  21. I had only four loans with Vivus .Initially starting with a £100 loan then three consecutive loans upon repaying of £300..Is this a case worthwhile with about £210 interest on the three larger loans.

    Reply

    • Well it isn’t a lot of interest, but it may have caused you a lot of stress at the time. All it will cost you is a bit of time to send the emails.

      Reply

  22. Hi Sara,

    How do you suggest I go about making an irresponsible lending complaint to both Avant credit and onstride finance. Avant have already started the court process.

    Thanks,

    Reply

    • You can use the standard payday loan template letters in https://debtcamel.co.uk/payday-loan-refunds/. Skip step 1 and go straight to step 2. Change the templates to make it clear you had 1 loan, or 2 loans, or 1 loan that was topped up – whatever actually happened to you.

      Are Avant suing you or has it been sold to a dbt collector? Have you actually had a Claim Form from the court or just a letter from their solicitors?

      Reply

      • Thank you. I will proceed to step 2.

        Yes avant have now gone to the court. (Scottish procedure) and I have a simple resolution form.

        Reply

        • ok, it is ESSENTIAL that you also follow the court procedure to defend this case at the same time as putting in the complaint. You may be able to ak for the case to be suspended (the term in an english court would be “stayed”) until your complaint is sorted. I can’t help on that – try calling National Debtline as they have Scottish debt experts.

          Reply

        • H Jennifer

          You can make an Application for the Action to be Paused by the Court when a Simple Procedure action is used. The form is here
          https://www.scotcourts.gov.uk/docs/default-source/rules-and-practice/forms/sheriff-court-forms/simple-procedure-forms/form_9a.pdf?sfvrsn=4

          You should also state you want to defend the action, otherwise they will just get decree (a Scottish Court Order). You will need to state why want to defend the action. I would suggest you seek advice from your local Citizen Advice Bureau, local authority money advice service or local law centre if you have to defend it as you may have to rely on what is called the unfair relationship test under the Consumer Credit Act 1974 and this can be complicated. You can find details of your local agency here https://www.scotlandsfinancialhealthservice.gov.uk

          Reply

          • I wrote on the court response what my intentions were and emailed avant.

            Surprised to get this response today-

            Thanks for your email.

            Following you email stating your intention to register a complaint with the original creditor/ financial ombudsman , please be advised that the legal action towards your claim will be paused for the complaint to be dealt.

            We will pass the account to our complaints department who should be able to take it further adhering our complaints procedure and process.

            We will be pausing the claim as soon as possible , copy of which will be sent to you in due course.

            Once we receive the grant to pause from the Sheriff we will email you the details.

            However please keep us updated with the status of the complaint and reference number for FOS or Lending stream. Since this is not a complaint with us and is handled by yourself , it is completely your responsibility to keep us updated.

            ——-

            Seems too easy? But at least it buys me some time so I can deal with it.

  23. Sent an email to Capital Resolve (debt agency for Liquid Advance) on Saturday regarding 3 loans I had with Liquid Advance ( no longer trading), they have stated that the complaint is nothing to do with them. Surely someone must have details somewhere as I though information was supposed to be kept for a certain period of time and these loans were taken out and cleared 4 years ago.

    Reply

    • Just received another email from them with the following

      “Liquid Advance have ceased trading, and as part of the closure plan with the FCA all open accounts were sold to United Kash Limited for collection. We were instructed by our client United Kash Ltd on some of the Liquid Advance accounts that they had purchased, but not all.
      I am sorry, but we are unable to comment on the underwriting completed by Liquid Advance as we are not the original lender.
      The Financial Ombudsman Service will be able to advise you further.”

      Is it worth my while contacting the FCO.

      Reply

      • If your loans were repaid, then the details of the loans would not have been given to United Kash.

        You could phone the ombudsman and ask if you have any options, but I am not optimistic.

        Reply

  24. I had a few loans from a company called community payday in 2012. Can’t find any info to raise a complaint with them if it’s still possible ?

    Reply

    • sorry not heard of them. I suspect they went under years ago. try talking to the Ombudsman but I am not optimistic.

      Reply

  25. Hi Debt Camel,

    May I make a friendly observation? Your Template 1 is encouraging a very rude approach from your Customers whereby folks are sending accusatory emails to lenders who have never heard of them before. Could you not rather suggest that your Template 1 is for those folks who know who loaned them money and have an alternative DSAR-only request for those who have forgotten who they borrowed from and who they banked with at the time and therefore have no record?

    It would make for a much more polite approach, don’t you think? Or is it fine to be rude to innocent parties? :)

    Also, deleting negative information from your Credit Record is not something anyone can do. Wouldn’t it be great if that was possible? To cherry pick all the bad things from our Credit Files. Sadly, even GDPR doesn’t make that possible. GDPR does mean you can request Lenders remove all your Data, but this will not affect your Credit File, negative or otherwise.

    For your information: Credit Reference Agencies have a lawful justification to collect, retain and share certain types of personal information without the consent of the data subject. Lenders refer to CRA’s for your Credit History and will be able to do so despite GDPR.

    Hope this helps :)

    Reply

    • I have never suggested that people send the template 1 letter to a lender they haven’t used. If someone asks me how to tell which lenders they have used, I recommend they check their credit records and bank statements.

      My template letters do tend to be copied out in other places but I am not responsible if one of those or a claims Management firm advocates a scattergun approach. Also I don’t accept that Template 1 is rude.

      Your point about credit records is not correct. The decision about Wonga’s refunds in 2014 was that negative information should be deleted from loans that were being written off, see https://debtcamel.co.uk/wonga-warning/. It is now standard for the Financial Ombudsman to order that negative information is deleted for any loans that it decides are unaffordable. And it is, of course, good practice for a firm to apply the same approach that the FOS would apply.

      This has nothing to do with GDPR and the right of erasure. I have never suggested that CRAs don’t have a lawful justification to retain and share information.

      Reply

    • I think many feel a rude approach is very much in order, I have had like many some very bad experiences with these company’s. They were often rude to me and often harassed and hounded people with very underhand tactics, like phoning people upto 20 times a day. You maybe under the impression that I knew the rates when I took out the loan so should not be moaning but many people who took these loans out were desperate. This could be having no money to feed your kids , risk of losing your home. Desperate times lead to actions. Often the lenders them selves admit to their wrong doing, but many will try every trick in book to try and deter you from taking your case any further . I also think the tone you are using: “For you information” is very patronising especially as the information you are giving is incorrect.. I guess you have the right to defend as you call them the innocent parties but I prefer to defend the innocent customers.

      Reply

      • Andy, I couldn’t agree more. These companies have treated people disgracefully.
        Mr Lender used to phone my work multiple times a day if i had a late payment despite me telling them on multiple occasions (over the phone unfortunately) to remove my work number from their records, each time they told me it had been removed but then they continued to call. I told them my work email address should be removed as it had multiple people accessing the inbox, they continued to email my work email, they even sent an email with my full username and password for everyone to see. The fact the regulator hits banks so hard and lets these crooks get away with this is unbelievable.

        I’ve started my complaints using Debt Camel’s fantastic guidance re affordable lending. Over the years I paid tens of thousands in interest with multiple roll-overs and top-ups. Debt Camel – Do you think i have any kind of case against Mr Lender for harassment given the above?

        Many thanks for your help and fantastic website.

        Reply

        • Hi Jay,

          I’m just reading your experience with MrLender. I also had a really bad experience with them. Luckily for me I had left the job that I had at the time I applied for the original loan but I knew they would have been calling my old work non stop. Recently I’ve had a good experience with the complaints department. I sent off the first letter and received lots of communication from them to let me know they were looking at the complaint etc….They made an initial offer of writing off my balances but they said in the response email that they would respond consider if I could provide supporting evidence. So I submitted bank statements along with my credit file and they came back with another offer. Wrote off the outstanding balance, deleted negative information from my credit file plus I got nearly £400 back from them as a geasture of goodwill. Considering my initial loan was for about £500 I was quite pleased. Contact them with the first letter and you’ll be surprised at how keen they are to resolve for you.

          Reply

  26. Hi all is there a chance of complaining about a company who are now not trading? The company was Safeloans and are now named SLL capital. I had numerous loans and remember them being difficult when I had difficulties paying. TIA

    Reply

  27. Hi after reading some of comments i too havepayday loans and ive been told that two of the payday loan s have change so thought would pass this on firstly peachy loans are now cash on go ltd .and mini credit comes under OPOS Ltd .i know this from the DMP.company i am with at the moment.

    Reply

  28. Has anyone had any recent dealings with Access Fast Money and who to send a claim too. Can’t seem to find any recent information on the internet. Thanks.

    Reply

    • I think they are long gone. You could ask the Financial Ombudsman but I don’t hold out much hope.

      Reply

  29. Hi
    I have contact details missing for some lenders if anyone can help?
    Speedydosh and slightly confused as i had loans from both EPDL and earlypayday.co.uk but different addresses Does anyone know where i contact the later please?

    Reply

    • Unless a loan has been sold to Opos/Kapama, probably not. you can talk to the Finanical Ombudsman but so far as I know they have gone bust.

      Reply

        • Then you can put in a complaint to Opos but people have not had much success with these. I can’t say if this is a good idea or not.

          Reply

          • Think I might just leave them alone then, unless the fo day anything about there conduct on my statements, mini credit used to try and get there money from my card and when they couldn’t they tried everyday for £1 when that went through applied for the rest .

  31. Hi Sara
    Searching through my bank statements I have come across two companies who I believe are pay day lenders but I can’t find any info on them so wondered if you are familiar with them . They are : No Worries and BCC both seemed to be based in Cwmbran

    Reply

  32. Hi All

    Don’t know if anyone can advise but I had loans with Cash Genie and CFO lending previously. I read they are both in admin, is it worth me trying to complain or have I missed the boat?

    Reply

    • Cash Genie have been paying out refunds where appropriate, definitely worth contacting them.
      CFO Lending, no point I’m afraid. Harrisons bought them and have confirmed there will be no redresses.

      Reply

  33. Does anyone know who this company is , I’ve obviously had some kind of loan off them in 2008 but I don’t know how to get in touch with them as I want to see if there was any ppi and this is all the info my bank could give me
    Hammonds direct lender services cl
    Pennine house
    39-45 well street
    Bradford
    Bd1 5nu
    Thanks

    Reply

    • Hammonds Direct were a conveyancing service? Now defunct. Did you have a payment into your account from them (ie a loan) or just payments out?

      Reply

      • Hi Sara I had an amount of £8000 paid into my account , I couldn’t see any payments out to them at all

        Reply

        • That’s quite a large loan not to remember?

          If it is from 2008 and you never made any loan repayments, there isn’t much point in trying to get back any PPI as you never paid any…

          Reply

          • I had so many loans /credit cards etc over a period of time and I honestly can’t remember it . It was only when I was going through my bank statements I saw it . I can’t see any payments made to them for a loan , could it be under another company name as I have lots of payments going out on a monthly basis for many loans /credit cards etc

  34. I’ve emailed Pounds to pocket and they’ve asked me for the below information however, I no longer have access to that bank account nor do I have my payslips, what do you advise is best to do here?

    To help us reach a fair complaint outcome in a timely manner (and where appropriate provide an offer of redress), please provide us with the following information as soon as possible:

    • Bank statements (at the point/s you took out your loan/s with us)
    • Payslips (at the point/s you took out your loan/s with us)
    • Any additional information relating to your financial circumstances (at the point you took out your loan/s with us)

    Reply

    • Just tell them to proceed without the information. But you do need to get your bank statements – this is usually easier than people think from closed accounts but it can take some time, so start it now, so you will be ready if it has to go to the ombudsman.

      I have no idea why they ask for payslips – apart from to make this sound difficult… no one has them and the ombudsman never asks for them.

      Reply

  36. Hi
    Does anyone have an email for Pogo Loans. The one listed on here bounces back as does the one on the website. It also seems the website doesn’t work just wondered if they had gone into liquidation or anything ?

    Reply

    • The company was dissolved in January 2108. You can talk to the Ombudsman about whether you have any options but I am not optimistic.

      Reply

  37. Hello. So payday uk/ payday Express/ express finance and mem consumer finance are all the same company?

    Reply

  38. Hi Sara

    Hope you can help, I’ve had numerous loans with different money, I believe before that they were mymate. Do you know if can still get in contact with company about affordability complaint? Are they under a new name now?

    Thanks

    Reply

    • Different money are in administration. I haven’t heard anyone comment about this for a while so I don’t know if they still have any money left to pay out. If you had a lot of loans from them, talk to the ombudsman urgently to see if this is worth pursuing now, if you delay it won’t be.

      Reply

  39. Hi i have quick quid telling me over 6 years and so they reject the claim
    And i have my jar saying they want wage slips and bank statements. Ive told them my bank will charge for these if they are going to pay.
    Do i need to send these ?
    MANY THANJKS

    Reply

    • Send the QuickQuid claim to the Ombudsman – it will be slow but you may get a good result in the end!

      MyJar – no need to send payslips – and the Ombudsman never asks for them. Bank statements, you don’t have to send, but it may help your case if you do. It is a good idea to get your bank statements as you will need them for the ombudsman, so start getting them now. It’s unusual to be charged much for them – often they are free, tell your bank why you want them.

      Reply

  41. Hi,
    I have started sending off some letters to the various companies and thia website has been fantastic help in doing so. Currently have 2 cases with the Fos at the moment and expect to be in for a long wait now. I was just wondering if anyone had ever tried getting a refund from Balmoral Financial? I took out a loan with them and have Googled the website but it looks different to what I remember. And if anyone could help with what email address I would need to send to for them would be much appreciated.

    Reply

  43. Hi there

    I am currently in the process of emailing pay day lenders. I wonder if you could help me out with addresses for speedy dosh and cash on the go/ i also seem to have made payments to getapaydayloanfast?

    Reply

    • Speedy dosh was dissolved in December 2016.
      Cash on go is the Company name behind Peachy – does that ring a bell as someone you borrowed from?

      Reply

  45. Hi Sara, just to update, I spoke to Ombudsman and they said there is no point putting complaint in against different money as there is no money left and no where to go with complaint.

    Reply

  46. Does anyone know who to complain to for The loan store? I think it was Cheque Centre Limited. Do I need to go to the liquidators? Thanks

    Reply

    • They too are on my mind, have been trying to find out if they exist anymore list my friend.

      I’ve scoured the net and can’t find a thing, they did close and go into Administration I believe.

      I really would like to go hard at them with my interest and charges too :(

      Reply

  49. Good evening,

    Does anyone know if there is a similar process for guarantor loans?

    I never had the affordability to take them out and agreed to repayments totaling over £1000 pcm.

    Thanks

    Gareth

    Reply

  53. Safety net credit:
    They operate differently and I’ve had loans from them weekly from memory for 2 years now. What they did is offer me £200 which I took. I get paid weekly so every Wednesday when I got paid they automatically took the balance and interest but obviously this was the bulk of not all my wages at times so I would withdraw out the facility again.
    I did this every week basically which meant I was taking out additional credit every week from this company. Every month they increased my credit facility because I could display that I was paying it but I was withdrawing the same day every week usually within a few hours of them automatically collecting. They increased up to over a thousand pound before it’s got to the point that I can’t afford it anymore and got my wages paid into a different account to stop this.
    As the limit increased I would pay for example £300 then a few hours later get £260 sent back to me from them and this has happened every week for 18-24 months.
    Do I have a legit case still ?
    Just not sure how it works as they operate a tad different to other lenders.
    But they shouldn’t have been granting me more credit, conasidering I withdrew every week and they just chopped interest out for 2 years making a good profit now the balance with interest is over a thousand pound, despite the fact I’ve probably paid about 2-3k back.
    Advice or other people’s experience if they’ve put a claim/complaint in please.

    Reply

    • Lots of people have won cases against SNC. The fact they can see your bank statements means they should have noticed how much trouble you were in!

      You must cancel the CPA to them immediately you put in a complaint, they used to have the bad habit of telling you they would suspend collection for 30 days, then restarting again after that without telling you even though your complaint hadn’t yet been answered…

      Reply

      • Thank you.
        Considering I’ve probably withdrew close to a 100 times at what point in your opinion/experience should I be asking them to refunds interest ?
        As mentioned previously I was paying 300 at 6am, then withdrawing 250 8am for majority weeks

        Reply

  54. Hi Sara I am using all of your information and templates and hopefully will have some success.

    I used a company called Pounds2day previously but can’t see it on your list of contacts?

    Are they still around?

    Reply

  56. I’m not sure the Payday Express/Payday UK address is in use any more, their website links to The Money Shop complaints resolution site with the email customerrelations@themoneyshop.co.uk

    So far all I’ve got from that is an automated confirmation of response, but more than I got from the other one!

    Reply

  57. Hi Sarah,

    Have you heard of Advancequid.co.uk?

    I have found this on my bank statements and cannot find trace of them?

    I am assuming they have gone into liquidation.

    Reply

  58. Hi Sara,

    Just to make you aware, the CFO email contact address you have listed no longer seems to be accepting incoming mail. I received this error message:
    “Delivery has failed to these recipients or groups:
    customer.relations@cfolending.com”

    I know they are in administartion, and I guess this doesnt bode well!

    Reply

    • Thanks for the update. I don’t think anyone has had any money back from them for months. I suggest talking to the Ombudsman if you have a big complaint but there may be nothing you can do.

      Reply

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