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 in administration but you can still make a complaint.
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
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
G&A Drapers gandadrapers@gmail.com put COMPLAINT as the subject
Fast Loan UK complaints@fastloanuk.co.uk
Fernovo complaints@fernovo.co.uk
Fund Ourselves complaints@fundourselves.com
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 You can use their web form here. or email debbie.gandy@gaincredit.com. If you don’t get an acknowledgement in a week, phone them up and ask if they have received it.
Loan Pig customercare@themoneyhive.co.uk put complaint about Loan Pig in the subject line
Miss Payday info@thequickloanshopltd.co.uk put complaint about Miss Payday in the subject line
Money Boat complaints@moneyboat.co.uk
Money Hive info@themoneyhive.co.uk
Money Platform support@themoneyplatformsupport.zendesk.com
Monkey Dosh see My Finance Club and put complaint about Monkey Dosh in the subject line
Mr Lender Send your complaint to complaintml@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 / Ondal compliance@myfinanceclub.com and put COMPLAINT as the subject
MyKredit info@myKredit.com
Payday Bad Credit complaint.handling@westerncircle.co.uk
Paydayloansnet / PDNET complaint.handling@paydayloansnet.co.uk
Pera Loans complaint.handling@peraloans.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
Savvy info@savvy.co.uk
Speedloan see Herbert Brown
Stagemount see Quidmarket
Street UK see Track Loans
Swift Money Complaints@SwiftMoney.com
The Credit Thing support@thecreditthing.com with COMPLAINT as the title
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 david@ftxgroup.co.uk
Wageday Advance they went bust! But a new lender now uses this name so 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
Zippa complaints@zippa.com
100Pounds support@skyquid.co.uk
Payday lenders in administration or already liquidated
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 (the Loan Store & Square Today); CFO (Payday First, Flexible First, Money Resolve, Payday Advance); Dosh Loans; Different Money (My Mate); Easy Finance Club; Ferratum; Forces loans (V Gates); Handycash; Lifeboat loans; Liquid Advance; Microlend; the Money Shop (PaydayUK & Payday Express); Money In Advance; Mini Credit; NextCredit; Oakam; Open Door Loans; Payday First; Payday Overdraft; Peachy; Perfect Payday; Pick A Payday; Pixie; Pogo Loans; Prime Payday; Purple Payday; QuickQuid (Pounds to Pocket & OnStride); Quid24; Response Funding (Fancy a Payday); Safetynet Credit (Tappily); Satsuma; Smart Pig; Speed Credit; Speed-e-loans; Speedycash; Speedy Dosh; StepStone Credit; Sunny; Swift Sterling; Toothfairy; Trusted Quid; Txt Me Cash; Umbrella Loans; Uncle Buck; Vivus; Wageday Advance, Wonga; 1st Stop; 247 Moneybox; 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.
Doorstep lenders
The Provident Scheme has ended and it’s too late to complain. Morses has gone into administration. For other doorstep lenders such as Mutual, see Get a refund for unaffordable doorstep lending.
Guarantor lenders
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
See email addresses for banks and credit card complaints.
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
Card or catalogue limit too high?
Matt says
I’ve had no reply from 2 emails sent to the Minicredit contact, One other lender who isnt on the list is Vivus and the contact is either info@vivus.co.uk or chris.stead@vivus.co.uk and they are looking in to this for me.
Sara (Debt Camel) says
For Minicredit, complain to Opos complaints@oposlimited.com . Opos are taking the complaints and then passing them on to their sister company Kapama
Ryan says
Hi – does anyone know anything about Think Finance. I have 3 loans listed on my credit report from 2012 but I don’t know which PD lender is/was under their umbrella. I have just submitted complaints to the others I know about – Wonga, QQ, Mr Lender and WDA.
Many thanks
DS says
Think Finance is/was 1month loan.
Grant says
For years and years I’ve struggled in the cycle of these companies and like you do u tried to sort it out on my own,it got to a point where my parents could notice a change in me, I finally told them what was happening and what kind of mess I was in,they were kind enough to lend me money to pay back these companies and until now I never knew you could or people have had success in taking on these companies. It’s nice to see people are having luck and are taking the bull by the horns and getting money back. Shame it takes so long for replies,if you were late paying them then they would be on the phone hounding you for money.I may start the ball rolling with this very soon.
Stacey Reid says
I just tried to speak to cet@dfconline.com & ask them for an account statement…she took me through all my details, updated to my now current address (which I don’t know why she had to), but then as soon as I said I wanted an account statement from her, but yet I no longer have an account with them, that they are under no obligation to send me the information I’m requesting. She just kept repeating that same sentence.
I borrowed £50 & ended up paying back in the region of about £300. How am I supposed to claim anything back if they won’t even send you what you need to be able to?
Sara (Debt Camel) says
Hi Stacey,
if you know you had one loan and roughly what you repaid, then you really have enough information to put in a complaint, so you could just ignore this. See https://debtcamel.co.uk/payday-lender-wont-send-loan-details/ for details.
Sonia says
Hi . I been having loans with Safeloan since 2002 which is now under new name I think slli capital is it worth putting in a claim ? Although i paid them off .
Sara (Debt Camel) says
SLL Capital is now a debt collector but they list Safeloans as one of their previous brand names on the FCA register (https://register.fca.org.uk/ShPo_FirmDetailsPage?id=001b000000kghy7AAA) so you should be able to complain to them at customercomplaints@sllcapital.co.uk.
Yes you can complain about loans that you have repaid – template letters here: https://debtcamel.co.uk/payday-loan-refunds/
Kelly says
Hello all,
Not sure where to post this… but I’m literally at a loss for words. In 2011 I took out a series of Payday loans, things were really bad so I can’t remember all the lenders.
At the end of last year I got a copy of my credit report and saw a default for £1100+ by Kapama. After calling them I found out the debt belonged to minicredit.
I made a series of complaints requesting the credit agreement, statement and default notice. Particularly as I couldn’t remember having the debt. I was told it was for £100 or £150. Note: I was told £100 on the telephone and 150 in their final response to my complaint.
Kapama ignored my emails for several months and I only got a final response last month. They sent me a credit agreement with no amount borrowed, no date or repayment date due. The whole thing looked dodgy. No logo or signature (electronic or otherwise). They said the original lender sold the debt to Kapama but they don’t have a copy of the default notice or statement. I
referred straight to the ombudsman.
Yesterday I receive a call from the adjudicator saying the credit agreement looks in order? And she doesn’t see any issue. However she has agreed to obtain a copy of my old bank account to verify if I did in fact take out the loan. I’d definitely like to know if I did borrow this money, I don’t think I did. But I’m at a loss for words they can get away with defaulting someone without sending any paperwork whatsoever.
Sara (Debt Camel) says
If your bank statements show that you didn’t take out the loan, I guess the problem is solved.
If it is there (and if you can’t remember all the lenders I suppose it could be) then there are other options:
1) you could look more closely at whether you have been sent a valid credit agreement, because if you haven’t the loan is likely to be unenforceable in a court. Good places to get advice on this include National Debtline 0808 808 4000 if you would like phone advice or Citizens Advice for face-to-face advice. Or you could post about this on the Legal Beagles forum where they love looking at credit agreements, https://legalbeagles.info/forums/ – actually you could do that now, no need to wait for the bank statements issue to be resolved.
2) you may have a payday loan affordability complaint or a complaint about how a £100 or £150 debt has increased to £1100 without you being sent any statements.
Kelly says
Thank you Sara,
I’ll do both. I hate not doing anything, at least by doing something I’ll feel empowered and hopefully I’ll get some results as I’ve been trying to resolve this issue for several months now.
Rahrah says
Is random money toothfairy finance?
Any help!
Sara (Debt Camel) says
Random Money were a broker – they may have passed you onto Toothfairy?
Keely says
Hi guys,
I have been checking through my Bank statements and am shocked at the pure number of payday loans I had!
I have found loans with all the usual names plus ‘GETAPAYDAYLOANFAST’ on my statement, ‘PICKWICKS’, ‘GODFREY BROTHERS’ and SPEEDLOAN LTD’
Does anyone have any experience with these ones? I think SpeedLoan is Ablemarlebond?
I have had success with Wagedayadvance, H&T and Speedycash – Payday express, Payday UK and Moneyshop are with the Ombudsman.
Andrew says
Hi There,
Can’t find anything on UK Lenders Alliance.
I had loans with them and want to complain to them?
Can you help what shall i do?
Thanks
Sara (Debt Camel) says
The email address on the FCA register doesn’t seem to work. I don’t think they are in business any more so this may be difficult. Talk to the Financial Ombudsman to see if you have any options.
dan says
I’m piecing my payments made out together from my old bank statements and having a bit of a nightmare with Payday UK. I have payments going out to “payday uk”, “express finance” and “payday express” and “MEM capital”, am I right in thinking these are all one and the same?
Appreciate any help, Thanks.
Keely says
Well I had the same issue Dan, and when I have a check I actually had loans with both!
I found that Express Finance and Payday express were the same and all loans for PayDay UK were just for that company.
They are all under the same umbrella.
lindyloo says
your h and t loans how far back was it. I used to the cheque cashing but they date back from2009
Keely says
Morning, H&T went back to 2010, they refused to go back further and that is now with the Ombudsman.
Christina says
Hi, I want to make a complain to speed-e-loans but I can’t find an email address. Any help will be much appreciate it .
Vin says
Me 2. They went bust back in 2013 but dont know if anyone took over their accounts. I’m having no luck with Minicredit either.
susan says
hi do you have an email address for txt loan
Sara (Debt Camel) says
txtloan was a trading name of MyJar, so complaints@myjar.com
Vicky says
Hi Sara,
I have had a reply from Kapama regarding Mini Credit loans. Despite me giving them all of my details they have said that they have no record of me having an account with Mini Credit. They also said that they only purchased accounts from Mini Credit in 2014 when they ceased trading so unless the account was still in debt, which it wasn’t they would have no details of it. Can I still make a claim and if so do I send it to Kapama?
Sara (Debt Camel) says
Kapama have only taken over the loans that were open and have no liability so far as I am aware for the previous loans. You could try calling the Financial Ombudsman and asking if you can do anything about this, but I am not optimistic.
JORDAN says
I’ve had this problem too. I suspect they are lying and do have all the account information.
susan says
do you have an email address for cash on go
Sara (Debt Camel) says
Cash on go is the company name of the lender better known as Peachy, whose email is in the list above.
(PS don’t put your full name on comments unless you want it published on the Internet!)
Miles says
Does anyone know why The Money Shop complaints is dealt with by Instant cash Loans.
I originally complained about the money shop but the complaint changed to Instant Cash Loans, but the Money shop is still going, so I’m confused.
Sara (Debt Camel) says
the Money Shop is a brand name of Instant Cash Loans ltd, see https://register.fca.org.uk/ShPo_FirmDetailsPage?id=001b000000m7BoRAAU.
susan says
Hi,
do you know the email address for express finance, as the email address above they have replied saying
Unfortunately you have contacted the wrong company. We are not a lender and therefore we would not have advanced a loan to you.
Thanks
Sara (Debt Camel) says
Express Finance are a broker not a lender. Look at you bank statements or emails to see who you borrowed from – one reader suggested to someone else this might be Payday Express?
Scott says
Does anyone know the complaint department contact details for Easy Finance Club?
I had sevral loans with them but they seemed to have disappeared off the face of the planet. I cant find them on the Fca register
Sara (Debt Camel) says
sorry, no useful suggestions.
Steve says
Hi dose anyone have contact email address for MEM Consumer finance please
Sara (Debt Camel) says
An old brand name of the PDUK group
Steve says
Thank you, I did send a complaint to them i got 3 reference emails sent back dose that mean they have 3 accounts for me which is possible but nothing more do they generally take a long time
Sara (Debt Camel) says
I don’t know why you got three emails back – i suggest phoning to ask. They are not speedy…
susan says
need some help, after offering safety net x amount each month while my complaint to them has been taking further, they now want an expenditure of my living cost even though i have offered to pay so much each month,
What should i do
Sara (Debt Camel) says
If you are asking them to accept less than the normal payment, it is reasonable of them to ask about your expenses as they show what you can afford. If you go through https://debtremedy.stepchange.org/quickassessment.aspx that helps to make sure you don’t forget anything.
cliff says
anyone having trouble with Satsuma?
I’ve sent them in the complaint and they asked me for more personal information, address ect to confirm my account and that’s all I keep getting back from them is “sorry we have been unable to identify you”. What should I do next?
Sara (Debt Camel) says
Do you have any emails from them about the loans you took out? Have you tried phoning them up and discussing the problem?
cliff says
Yea gave them a call this morning and I’ve been given an agreement number from them.
I also just noticed too that I took out a loan from the company (L.O.A.F) Lean on a friend. I haven’t heard from this company since 2014 regarding the outstanding loan, anyone else had an experience of this company?
thanks
steve says
Hi All
Has anyone had any dealing with Early Payday Loans (EPDL)
kind regards
JORDAN says
Yes, they are now called eCashwindow. Same people running it, just a name change.
Hunki says
Just had a reply from opos/Kapama, originally Minicredit. I had a loan for £80 that went to £824 in 3 months, so i refused to pay it until they removed excessive charges. They have said they bought the debt from Minicredit and it still stands at £824 and they are not intersested as they are not responsible for the charges. They sent me a supposed copy of my credit report at the time, which was clean, but in reality I had ccj”s and defaults and have proof. They must have made this up. What do I do next? Do I have a complaint? Straight to the FOS?
Sara (Debt Camel) says
Straight to the FOS I would suggest.
Mandy says
I currently have a complaint in with FOS about PayDay UK – at the time I earned £900 per month and was borrowed £300 each time (9 months in a row). I was gambling a lot at the in stupid desperation looking for a answer! My complaint is about affordability as I don’t the Loans were affordable as above stated figures. Will the gambling affect the FOS decision?
Sara (Debt Camel) says
Comaplaints arent refused on the grounds you should have stopped gambling. Lots of people here have won cases with the Ombudsman with gambling showing on their bank statements. It is an addiction and I hope you have been able to kick the habit?
Anne Carty says
Does anyone know an address for Prime payday?
Sara (Debt Camel) says
Prime payday was a brand name of Tower Credit ltd. Try martintownend@towercapital.co.uk but I don’t think they are still in business. If that bounces back, you coudl talk to the Financial Ombudsman to see if there are any options.
andrew lowe says
I emailed CFO Lending yesterday and received this response:
Please be advised Paul Boyle and David Clements of Harrisons Business Recovery and Insolvency Limited, were appointed Joint Administrators of CFO Lending Limited (‘the Company’) on 6 April 2017, with the company now officially in administration.
Sara (Debt Camel) says
You can put in a complaint to the Finanical Ombudsman. But people who have already won these complaints are being told there isn’t any money to pay them, or they may only get £40 :( There may be nothing you can do about this.
steve says
I got a feeeling they cant even pay the £40 that what I think the letter says
andrew lowe says
I have just received a very speedy reply from 1st Stop rejecting my complaint as they said they did all the necessary checks when i took out a payday loan with them of £150 and I repaid the £202.50 on time. I only ever had the one loan with them but at the time I had several other payday loans which I didn’t tell them about. Is it worth me challenging the claim rejection letter, should I contact the financial ombudsman or just leave it?
Sara (Debt Camel) says
Unless your credit record would have been showing recent CCJs or defaults, I don’t think you are likely to get very far with this case.
andrew lowe says
My credit record would have shown that I had just failed and been discharged from an IVA at the time, would that make any difference?
Sara (Debt Camel) says
Well that’s pretty bad :(
I suggest you reply to them saying that your credit record would have shwed that you had just failed an IVA and a lot of debt including other payday loans and that you will be going to the ombudsman unless they refund the interest you paid on your loan.
Steve says
Does anyone know if cash choice still exist and who to contact please?
Sara (Debt Camel) says
Not in business any more – contact the Financial Ombudsdman to see if there is anything you can do.
craig says
Liquid advance / capital resolve say my complaint is with the lender as they are only debt collectors.
Thank you for your email.
However, are you aware you have contacted Capital Resolve Limited? We have never been a payday lender. We are a debt collection agency.
If you have received a letter from us, please provide your case reference number and a contact telephone number so that we may get back to you.
Sara (Debt Camel) says
A few people who had debts passed to Capital Resolve got them wiped out by complaining. If your Liquid Advance loans were never passed to CR this isn’t likely to work.
Last year another Craig (well he was using a different email address) said to contact DHR Capital Ltd. The email for this would be justinblloyd@gmail.com. I have no idea if this suggestion is accurate.
craig says
Thanks for that. I have settled up a long time ago so doubt i will get anywhere now.
I did get £5,600.00 from wonga following advice from here. Great help.
Leah says
Hi everyone
I have been stuck in a cycle of payday loans since about 2008, over the years I have taken well over £20,000 in payday loans, having to borrow to pay them back over and over each month. I have contacted them all asking for a Statement of Account and made them aware that I am complaining about unaffordable loans, I will take it to the Ombudsman after 8 weeks. My query here is I took out many loans with a company called Money in Advance which are no longer trading, what do I do about them?
Any advice much appreciated.
Sara (Debt Camel) says
Money in Advance hasn’t traded for several years and the company was dissolved in April 2016. There is unlikely to be anything you can do, but if you had a lot of loans, you could talk to the Financial Ombudsman about this.
Freddo says
Hi, at what stage did Wonga offer so much? After the first complaint? Or via the ombudsman?
craig says
Hi freddo,
I waited about 10 weeks from start to pay out. No ombudsman needed.
Lynn says
Hi
We have a debt on my credit file for Think Finance. Cannot afford to repay it. Is there anything I can do? Mis-sold etc? Please help!!
Sara (Debt Camel) says
Think Finance – did you borrow from Sunny? If so did you borrow and repay several times before the debt you ended up defaulting on?
Katie says
Hi,
Can anybody please advise if they have had any luck with minicredit/Kapama/Opos? I sent my complaint to Opos and didn’t get a response so I sent it to FOS and an adjudicator has recently come back to me and said they cannot consider whether it was provided irresponsibily, as Kapama didn’t lend to me Mini Credit did and they are no longer operating.
What can I do now?
Thanks
Sara (Debt Camel) says
Unfortunately probably nothing.
Cassandra says
Hi is there any recompense for firms like provident/morses/ etc? Thanks
Sara (Debt Camel) says
The rules are the same for all lenders. see this article https://debtcamel.co.uk/refund-doorstep-loans/ which looks at the particular issues and points you may want to make when complaining about Provi and other doorstep lenders.
Andy says
I am currently experiencing problems with OPOS who are chasing a debt of £856.00 relating to a £100.00 loan taken out with Mini Credit some years ago. I have explained to them that I have an issue with Mini credit as I used them several times and on one occasion they took over £500 from my bank when I was late paying back a £100 loan which I was really annoyed about and had not authorised this large card payment. I have been in a debt relief order and have now completed this but unfortunately the guy at citizens advice left this debt of the order by accident. What do you suggest i do as I do not want to pay anymore than £100 back, they said Mini Credit are in administration.
Sara (Debt Camel) says
I suggest you put in an affordability to complaint to OPOS.
Have you discussed the DRO error with CAB? If you had informed them of the debt, there may be a case for them compensating you for omitting it.
Andy says
What is an affordability to complaint that you have suggested?
I did ask the CAB what had gone wrong and they apologized for missing this debt off the DRO and have said just ignore OPOS and wait till 6 years have passed so it will fall off the credit report, but I would rather just get it sorted
Sara (Debt Camel) says
I think you should go back to CAB and ask for compensation. They may be able to negotiate a full & final settlement with OPOS for the debt for a couple of hundred. It’s their fault you are landed with this debt.
“affordability to complaint” was a typo, should have read “affordability complaint” see https://debtcamel.co.uk/payday-loan-refunds/
Jonsey says
HI,
Thanks for all the info, I’m tring to start the process. Just a quick question please – in the list of e-mails addresses Payday Express / Payday UK / PDUK have the same e-mail address. I have loans with all three but when I’ve emailed they’ve replied refering to Payday UK only. Do I need to write 3 different complaint emails?
Sara (Debt Camel) says
Yes, send three separate complaint emails. And if/when they go to the Ombudsman, send them as three separate cases.
rhys says
are handycash still going.
there is one dissolved on companies house (but description doesnt match)
i also heard ealing trading limited was related..
Sara (Debt Camel) says
I’ve not come across handycash. Have you looked at your bank statements – is the payment to them going to Ealing Trading? If it was, they are still trading so send your complaint to them.
How many loans did you have? How long ago?
Nicki says
Hi Rhys have you had any luck with handycash? my bank statements do say ealing trading but they are ignoring all emails from me.
Chris says
Hello all. Is there an email address for pickapaydayloan please? Does anyone know if they are still trading? Thanks in advance.
Sara (Debt Camel) says
Sorry I don’t think they are around any more, I can’t find a trace of them.
Ian Glen says
Can i just update vivus is no longer trading so when you email them you get an email with the compnay who has taken over.
Lee Wright says
MINICREDIT/MICROCREDIT & OPOS/KAMPAMA
Ok these guys are grey and hard to beat but you can! Opos and Kapama hold you initial loans information.
To clarify in 01.04.2014 mini/MICROCREDIT withdrew it’s license from the UK market. Under agreement with the FCA they were not permitted to issue any further loans or rollovers from that date. They were also instructed to waive ALL INTEREST and CHARGES before transferring to OPOS LTD and were not allowed to apply any further charges from that date! Now in my case my loan was issued on 2.7.14 after their license, charges were added and I repaid opos 384.75, however OPOS/KAPAMA should not have bought this loan as they had no license to issue it! If you contact the FOS regarding this you MUST advise of the APPLICATION OF VOLUNTARY VARIATION and CANCELLATION OF PERMISSION BY MICROCREDIT. Interim permission reference number 621701. This can be found on Google and this will suffice to reclaim some money if you have a case similar to mine. Don’t give up on them OPOS are rude, I found KAPAMA much better to resolve!
Andy says
I have been struggling with these guys for ages, they say I owe £856 from a £100 loan taken out with mini credit in 2013, I wouldn’t mind but when mini credit were operating they took nearly £700 out of my bank without my permission one day when I had missed my repayment date on a previous £100 loan. what do you think I should do. They are not chasing me for the money but it still shows on my credit record that I owe £856.
Carol Sutcliffe says
Hi, I took out loans with microcredit, even offering them a sum of money in full and final settlement (which they ignored), they threatened me with doorstep collectors, all this was in 2011, I have been in touch with Opos, they said they did not buy anything from them from 2011, they have said that they can’t find anything to do with me or any loans and to contact minicredit, im not sure what to do now, I have saved all my e mails from 2011 but they are still saying the cant help me
Stuart says
Hi
I have two payday lenders showing on my account, MydirectLoan (Edgware) debit and short term loans, credit, can someone tell me who these lenders are?
Many thanks
Dan says
short term loans might be 1st stop?
the other LoanstoGo?
Have you tried searching your mailboxes to see if you have any agreements in there that might help?
Stuart says
thanks Dan
I’ve checked and think your right
I think the other one is Total home loans direct (MyDirectLoan)
Thank you for your help
Much Appreciated
Cheers
Craig says
Has anyone had any joy with Liquid Advance? I tried Capital Resolve who advised my account was managed by DHR Capital Ltd and when i contacted them they advised they have had no dealings with Liquid Advance so i am back to square one and Capital Resolve haven’t bothered replying!
Sara (Debt Camel) says
I suggest you talk to the Ombudsman.
Craig says
thanks sara will do
Craig says
Capital Resolve eventually replied and have advised that United Kash now deal with Liquid Advance accounts and to try them at:
United Kash Limited
Wisteria Camrose House
2A Camrose Avenue
Edgware
Middlesex
HA8 6EG
I also found an email address on their website – collections@unitedkash.com
Will let you know if i get any joy!
Cheers, Craig
Vikki says
Hi, Speedycash email doesn’t work – their website says they have closed (and directs me to wagedayadvance for an online loan) – is it possible to make a claim to WDA for speedycash loans?
Thanks
Sara (Debt Camel) says
WDA and SpeedyCash were both UK brands owned by an American company called Curo. You can try sending a SpeedyCash complaint to WDA – if they refuse to consider it you need to talk to the Ombudsman about what your options are.
Bryan says
Hello
I had a loan with Full Pocket Loans. I can see they are no longer trading. I had an outstanding balance with them to which i am currently paying SLL Capital payments to clear this. Is there any way i can still make a complaint to Full Pocket? As i assume i cant with SLL as they are a debt collection agency. Any advice would be greatful.
Sara (Debt Camel) says
I suggest you talk to the Ombudsman about whether you have any options.
jamiejohn says
Hi All
I had an email from the ombudsman saying that 1st stop are clear recoveries ltd and they are due to be dissolved on the 30/12/2017.
Can anyone help as they have only just complained to the company and I don’t think they will be replying?
Has anyone else had any experience with 1st Stop?
Is there anything else I can do?
suzanne says
I had a loan with Lifeboats loans but I see they are not trading anymore, can anyone help with this, I only had one loan with them, high interest rate and I already had other loans and was in a DMP when they gave me the loan
vicky says
Has anybody dealt with a chain called The Cash Store? I have previously complained to the FO about them but didn’t get anywhere as the business wasn’t listed with anybody as they had basically shut shop and gone into thin air! Not sure if anyone had any dealings with them? You was able to go in and take a pay slip and they would automatically loan you 50% of your wages without any checks!!!! Spent so much money here and no one knows who they are :(
Sara (Debt Camel) says
They went into administration in August 2014, see https://www.insidermedia.com/insider/northwest/122993-creditors-set-85m-hit-cash-store-administration. I don’t think you have any options here for a refund.
Jess says
Hi looked in my bank statements from 2010/11 and I can see Tower capital on there and also month end money pay day loans – can’t seem to find them on google ? Anyone else used these years ago?
Jess says
Speed-E-loans.com and safe loans ?
Maureen says
Month end money is Payday UK
Scott says
Hi Tower Capital are/was based in Bournemouth- interestingly I can’t find them either. They was pretty obnoxious to deal with around 2012
Jess says
Wonder where they have gone ! Shame as looks like I had a few with them x
brendan says
I have been looking through my bank statement and I see a debt and credit appearing on my statements a pacific network se. Has anyone else seen these transactions on their statement and know who they relate to. Im at a lost as too who they belong to.
Shannon says
Lending stream used to come up as that. Few others too but not sure as Lending Stream was the only one I used.
Tempest says
Hi,
I have unfortunately had many payday loans over the past 5 years, with at least “21” different lenders (listed)… so thought i would give this a go!
Cashasap – Credio – Creditstar – Lending stream – Likely loans – Microcredit / oposlimited – Mrlender – Myjar – Nextcredit – PaydayUK – Peachy – Pixie loans – Quickquid – Quid market – Safetynet – Satsuma – Swift Sterling – Unckle buck – Vivus – Wagedayadvance – 24/7 Moneybox.
I have just sent out the initial loan details request…
A few of the above have automatically replied acknowledgement of my email with varied expected response times.
However Vivus automatically replied the following:
“V7 limited trading as Vivus.co.uk stopped trading in March 2017. All regulatory permissions have been withdrawn.”
Not sure where I go with this one now?
Will keep you updated with any future correspondence… So fingers crossed.
Thank you for creating this helpful website.
Sara (Debt Camel) says
You probably aren’t going to get anywhere with Vivus – unless you still have a balance outstanding?
Jen says
Hi Sara, I had letter frm Cheque centre saying in liquidation, I now have to write to the liquidation company to ask 4 redress, got soa from their e.mail tho, all other response by post
Jen says
Cash genie update complain to
customerredress@cashgenie.co.uk
Requested SOA 26/10/17
Offer of full interest paid plus 8% on 21/12/17
All loans over 6 years old hope this helps someone, in administration so get in quick while there is still money 2 pay out, told they will post Cheque in nxt wave, they will b in touch with date to receive it
Tracey Harrison says
Hi, does anyone have the email addresses for Payday Advance or Clear account please so that i can make a complaint.
Many thanks
Sara (Debt Camel) says
Payday Advance is a brand name of CFO Lending who went into administration in April 2017 – you should talk to the Financial Ombudsman about whether it is worth pursuing any complaint against them.
Clearaccount is a brand name of Indigo Michael – put in a complaint to their main brand, Safetynet Credit.
Scott says
Does anyone know who cash on go ltd are?
Andy says
Yes they are otherwise known as peachy. I complained to them and didn’t get a refund but they deleted the record from my credit file. I only used them once
Richard says
Hello
Does anyone have any updates/information on Open Door Loans? Are they still in existence ?
Thanks in advance
Stacie says
My loan company went into administration and I still have outstanding, would the law firm it has been passed to have to deal with the complaint?
Sara (Debt Camel) says
Which lender? Which law firm?
Stacie says
The lender is vivus and it was passed to meligen investments and moriarty law deal with it on their behalf
Sara (Debt Camel) says
Hi Stacie,
coming back to you on Vivus / Moriarty Law. Moriarty Law may have problems producing the Consumer Credit Act agreement and statements of account for some Vivus loans. I suggest you should ask them to produce these, see https://www.nationaldebtline.org/EW/factsheets/Pages/getting-information/credit-agreement-advice.aspx. NB you have to send a cheque for £1 with your request. If they can’t send the information, then the debt is unenforceable in court and you can stop making any payments to it.
Stacie says
I also have one with different money passed to United cash
Tomc says
I too would like to know this i had a complaint upheld by the ombudsman just as they were getting rid of their licence. This left me not knowing how i would go about claiming the money now?
Natalie Cook says
I contacted the FO. They said new complaints need to go through the administrator that has taken over but there was money put aside for complaints which had already been raised. Contact the FO, they should be able to help if your complaint was put in before that! Good luck.
Andy says
I had multiple loans with a firm called Bonga Loans they seem to have shutdown in 2016 would be very grateful if any information into whether they are still trading under another name . If anyone has an email I could send my account request letter to I would be very grateful . Thanks andy
Robert Nudds says
Do we know if there is any chance of getting redress from open door loans or 321 cash and if so to whom I should address my complaint?
Sara (Debt Camel) says
Open Door loans closed in February 2015. You could ask the Financial Ombudsman but I am not optimistic.
321 cash I can’t find a trace of as a UK payday lender.