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?
kevin smith says
Can anyone tell me what happened to minicredit?
allan says
gone bust, spoke to fos and I cannot claim any money back at all
allan says
Been going through my statements adding up what I owed etc and keep coming across payments to a company called ‘month end money’ but I didn’t borrow from them. are they also known as payday express, payday uk?? does anybody know, I know the payday lenders come under several different names, cheers
Jen says
Yes it’s pay day uk, I’d the same problem with my statements, different companies taking money out that the 1s that put it in, I ended up breaking it down to loans in and money out at the end of the month trying 2 match them up but MEM is defo PDUK
Allan says
Cheers jen
Shaun says
Hi,
Hopefully you can help.
I made a complaint with 1st stop- have today received a response from them saying the company connected is no longer trading and such they are unable to help.
What should I do?
Clearly the group is still trading and the others were apparently through clear recoveries LTD.
A little confused to be honest.
Thanks
Sara (Debt Camel) says
I suggest you send the complaint to the Financial Ombudsman to look at.
Shaun says
Thanks Sara,
I’ll do that. Sorry for being simple but how should I structure it to them and what detail should I include?
Finally should I not first reply saying I’ll do this and give them the chance to re consider the response as I do have a lot of historic email relating to them?
Thanks again
Steve says
I had exactly same. They say 1st stop loans, the 1st stop group said it’s nothing to do with them. I sent them previous emails and contracts asking for answers but no reply yet
Mark says
Hi ,
I sent a complain to 1st stop and they reply the same…
I went trough my bank statements and realize that my loans were issued by payday 1st stop loans . They deposited the money in my account but when the repayment was due , 1st stop home loans was the company taking out the money.
Im sending my complain to FOS to have a look at it .
Regards
Mark
Shaun says
Have you heard back Steve?
steve D says
Last reply I got from 1st stop group was today:
Unfortunately, we can’t provide you with any further information.
Kind regards,
I cant get my head around why they are denying its nothing to do with 1st group because emails I received when I took out multiple loans was support@1ststop.co.uk. Also on the email footer is shows details about 1st group and same address. So I now have no choice but to send to FOS
Becky says
Does anyone please have the complaints email address for access fast money?
Thanks
Matt S says
I’d be interested in this too, one of the last lenders I’ve still to complain to… and I don’t believe they ran any credit checks at the time so should be a good case.
Sara (Debt Camel) says
I think they have gone out of business. Talk to the Ombudsman if an email bounces back or you don’t get an answer.
Becky says
Thanks. I had a lot of loans with them so it’s disappointing if they have gone out of business.
Good luck to you Matt S ????
Chris says
Hi there.
I’ve just had a response back from 1ststop saying that any payday loan i had is not connected to the current 1st Stop group.
It says that 1st stop payday loans was previously clear recoveries ltd.
It’s their final response.
Did I get the right address (taken from here) it is this just a ‘put off’
Many thanks
Gavin says
Hi . I have just sent vivus a complaint . And received an email saying that the email address is not monitored and I must contact MMF as they have purchased my debt .? is there any other way I can contact vivus ?
Thanks
Gavin
Joanna says
I complained to them. I used the email address on Debt Camel and I have received a letter saying they were wiping the debt completely. Guess I should be happy with that.
Gavin says
Hi Joanna , I had to emails back from vivus , one from info@ vivus which just said this email address is not monitored anymore and one from George Taylor @ vivus ,,, I sent my complaint again to the George Taylor one and have no response as of yet ,,,, however I do have bank statements which are quite clear in showing I took out a second loan with them to pay off the first ,,, so I hope I have a good case ? I have also emailed MMF and asked them to stop harrasing me while my complaint is being looked into ,,,,, anyway fingers crossed
S says
Pixie Loans are now in liquidation as of 15th February 2018 – the ombudsman are stopping all complaints against them as a result.
Sara (Debt Camel) says
thanks for the information :(
Gemma h says
FML or FLM loans? Taken over by Amigo – if loans were taken out and paid back.. who takes the responsibility? Amigo? Confused. TIA
Sara (Debt Camel) says
You can complain to Amigo, but if the loan was repaid before the takeover you may have the complaint rejected.
Malcolm says
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?
Sara (Debt Camel) says
Instant Cash loans will be Payday UK, Payday Express, Money Shop or one of Dollar’s other brands.
Complain to Satsuma, email in article above.
Good luck!
Lee says
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
Sara (Debt Camel) says
It sounds like this company https://www.fca.org.uk/news/press-releases/fca-decides-cancel-payday-lender%E2%80%99s-interim-permission-and-ban-its-sole-director. You won’t be able to get a refund from them.
Complain about all your other lenders, including Uncle Buck. It’s not possible to delete a CCj from your credit record without it being set aside. I would be surprised if the Ombudsman decides that should happen.
Rachael says
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?
Sara (Debt Camel) says
Put in a complaint about unaffordable lending to asset collections.
Southern fool says
Hi everyone
I have just sent a follow up email to pixie loans advising I have sent the complaint to the FOS. I received an automated reply stated they have now ceased trading and will not reply. I doubt I will get anything now as a result but just an FYI for others who might have complaints with them. This wasn’t the case 6 weeks ago.
Karen says
I had payday loans from purple payday. Can I claim against them? If so do you have an email address I can complain to?
Sara (Debt Camel) says
That was a trading name of PingTree, they aren’t in business since 2015, see https://register.fca.org.uk/shpo_searchresultspage?search=pingtree&TOKEN=3wq1nht7eg7tr. You can ask the Financial Ombudsman about them but I am not optinistic.
Ali says
Has anyone had any dealings with cheque center heard they’ve gone bust would l be able to put a claim in
Josh says
Hi last week I emailed Money Plus – if you google Cheque Centre top result is their website with contact details for Cheque Centre. They replied telling me they were in no way affiliated. I googled again and the site now says page not found.
I’ve heard (if you go back through pages on this site) if you go to the Ombudsman there is no chance of getting your interest refunded in full but small chance of getting a token payment from the administration company. As the company has gone into administration all moneys have gone to priority – as in Cheque Centres creditors, there is nothing left for much else.
Tash says
Hi,
Has anyone successfully claimed against Kapama/Oops previously Mini/Micro credit?
I never heard of them until I looked at my credit file, I emailed them when the notice of assignment was sent to me and the breakdown of the whooping £861 of an original £100 loan which I only received £80. There was £515 of attempted charges, what even is this?
I know all you guys have or are in the same boat here so any advice on how to handle this account would be great, I am about ready to tear my hair out and cry.
Thank you
PS – What a great site Sara, I have currently 4 soon to be 5 complaints to the original companies… I hope they don’t mess around too much!
Sarah says
Hi I had the exact same problem with these last year. Unfortunately minicredit are no longer in business so kapama/opos now own the debt. I went through the complaints process with this last year and when going the FOS managed to get the balance of £400 reduced by £80. I only had a loan for £100 to which I received £80 but when I calculated all the interest and charges I had paid I had literally cleared the originals loan and more. What I am now paying is just interest. I would suggest trying to make a complaint as you may get a better result but you have to make the complaint to opos… that’s what I did. I explained the affordability etc but if you have a complaint about opos itself the outcome may be different to mine altogether. Worth a try.
Sarah says
Ps the attempt charges are where they have tried to take payment from your account so many times without success… mine wasn’t too bad and this is where the FOS managed to get a reduction of £80. I don’t want you to get your hopes up but you may end up getting this figure reduced
Liz says
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!
Sara (Debt Camel) says
Talk to the Financial Ombudsman.
Chris says
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
Sam says
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
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…
Mark says
Has amyone had any success with complaints to Safeloans ltd..
phill probyn says
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?
Sara (Debt Camel) says
You could talk to the Financial Ombudsman.
C says
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 ????
Sara (Debt Camel) says
shame :( I have updated the list above.
Michael says
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
Sara (Debt Camel) says
yes – the affordabilty rules are the same for all lenders.
Mike says
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?
Sara (Debt Camel) says
I suggest you talk to the Ombudsman about this.
Laura says
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.
Sara (Debt Camel) says
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.
Laura says
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
Sara (Debt Camel) says
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.
Jane says
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
Sara (Debt Camel) says
Email is best as it’s instant, free and you have a record. See https://debtcamel.co.uk/payday-loan-refunds/ which has template letters and future questiona are best asked over there.
Martin says
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
Sara (Debt Camel) says
You need to find out who the lenders were – you can’t make a claim against a broker. Good luck!
mark says
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.
Sara (Debt Camel) says
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.
Jennifer says
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,
Sara (Debt Camel) says
You can use the standard payday loan template letters above. 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 debt collector? Have you actually had a Claim Form from the court or just a letter from their solicitors?
jennifer says
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.
Sara (Debt Camel) says
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.
Alan McIntosh says
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.
Sara (Debt Camel) says
Thanks for adding that – Alan is a Scottish debt advisor.
jennifer says
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.
A Younger says
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.
A Younger says
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.
Sara (Debt Camel) says
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.
Paul says
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 ?
Sara (Debt Camel) says
sorry not heard of them. I suspect they went under years ago. try talking to the Ombudsman but I am not optimistic.
Karen says
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 :)
Sara (Debt Camel) says
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.
Andy says
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.
Nicky says
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
Sara (Debt Camel) says
yes, complaints to customercomplaints@sllcapital.co.uk
S.j. says
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.
John says
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.
Sara (Debt Camel) says
I think they are long gone. You could ask the Financial Ombudsman but I don’t hold out much hope.
sheila says
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?
Diane says
Hi Sara
Is there any chance of getting anything back from mini credit.
Sara (Debt Camel) says
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.
Diane says
It was sold to them, I still owe them some money but not had any contact for about 3 years
Sara (Debt Camel) says
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.
Diane says
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 .
LJC says
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
Sara (Debt Camel) says
No Worries gave up in 2012, so there is no hope of a refund there (see https://www.theguardian.com/money/2012/mar/08/oft-yes-loans-consumer-credit-licence)
BCC I can’t identify.
LJC says
Ok thank you
matt says
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?
April says
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.
LJC says
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
Sara (Debt Camel) says
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?
LJC says
Hi Sara I had an amount of £8000 paid into my account , I couldn’t see any payments out to them at all
Sara (Debt Camel) says
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…
LJC says
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
Sara (Debt Camel) says
I can’t see any trace of them as a lender at all, sorry.
Claire says
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 ?
Sara (Debt Camel) says
The company was dissolved in January 2108. You can talk to the Ombudsman about whether you have any options but I am not optimistic.
Lee Sharratt says
Hello. So payday uk/ payday Express/ express finance and mem consumer finance are all the same company?
Sara (Debt Camel) says
Yes.
Rob C says
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
Sara (Debt Camel) says
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.
paulG says
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
Sara (Debt Camel) says
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.
Jenn says
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.
Sara (Debt Camel) says
Try tom.marett@balmoralfinancial.co.uk.
Jordan says
Sorry, I might be posting in the wrong bit, but, is epdl/ecashwindow/capfin the same company?
Sara (Debt Camel) says
yes they are.
Sharon says
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?
Sara (Debt Camel) says
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?
Jill dyson says
Used liquid gold – tried capital resolve but they are not interested- who/where do I try now ? Thanks
Sara (Debt Camel) says
I haven’t heard of a payday lender called Liquid Gold? Do capital resolve now own the debt?
Rob C says
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.
nikki mccormick says
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
Nichola says
Hi Nikki,
At the minute, it looks as though they will only pay out approx 5% of any claim so we decided not to bother.
Good luck,
Nichola
JAMES says
Hi,
I’m just finding out about this and want to look into it. I used to get Pay Day Loans every month for about 4-5 years, usually around the £1k Mark per month.
It was always with the same lender, Cheque Centre. I know they have ceased loans and I’m sure went into administration.
Do I have any options open to me?
Thanks
James
Sara (Debt Camel) says
No sorry, they went into administration and there is no more money for refunds. As this is obviously a lot of money for you, you can check this with the Ombudsman.
JAMES MCKEOWN says
Hi Sarah,
I contacted the Ombudsman like you suggested. They advised I raise the complaint with the administrator and get listed as a creditor.
I am in the process of doing this, but would appreciate some help from other forum members here.
As they are in admin, they no longer have my information and specifics. I used them over a period of 5 years and therefore trying to work out what my claim is for is proving difficult.
The administrator has gave me a 2 page form to complete where they ask for:
1. Particulars of debt (would this be interest on pay day loan?)
2. Amount of debt (would this just be the estimated interest?)
3. Preference claimed for debt – ??
4. Security for debt – ?
5. Total amount of debt – ?
I’m unsure what to put on the form, so any advice or guidance would be greatly appreciated.
Thanks
James
Sara (Debt Camel) says
You could talk to National Debtline on 0808 808 4000 about what to put here. I haven’t seen this form before and am not a solicitor or an accountant…
If I had to complete it, I would do the following:
1. Say the debt arises from a complaint for irresponsible lending as CC never established if you could afford to repay the loans and it is in line with the typical award – a refund of the interest paid – ordered by the Finanical Ombudsman in these cases
2. estimated interest – attach a list of your loans (date, amount borrowed, interest) to back this up
3. leave blank
4. none
5. same as 2? not sure why this is different – it may be you can add on 8% statutory interest here? ask National Debtline)
Jay says
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.
Jennifer says
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.
Monika says
Does anyone have an email for Speed Credit? I can’t find it anywhere.
Sara (Debt Camel) says
They were closed by the regulator in 2013. No chance of getting any money back.
Andy says
Does anyone have contact details for a company called ‘Access Fast Money’?
Thanks
DSnail says
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 :(
Gareth says
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
Sara (Debt Camel) says
£1000 a month – ouch! See https://debtcamel.co.uk/how-to-complain-guarantor-loan/ and also think if the guarantor loan was affordable for the guarantor, as they can also complain.
Ian Cole says
Hi, it seems that dfcuk or dfcglobal (The Money Shop) Email addresses are no longer active.
Ian.
Sara (Debt Camel) says
thanks – I have changed the email address in the article above.
Kelli Gwilliam says
Does anyone have contact details for Quid24? Just found their details on my bank statement 😢
Sara (Debt Camel) says
The company was dissolved in 2016.
Ben S says
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?
Sara (Debt Camel) says
I can’t find any trace of them :(
Paul says
closed down a while ago.
Si Lad says
Someone called Budgetinnovation.co.uk have taken money out of my bank account.
I have a feeling this is something to do with applying for payday loans??
Does anybody know who this is as I want my money back and this subscription cancelling.
I have tried googling it but it doesn’t exist.
Nat says
Have you used a hire car from budget in the last 6 months or so?
They have a habit of adding ‘free’ insurance products to hires that start charging after 6 months if you don’t opt out or cancel them.
Otherwise, just call your bank and tell them you don’t recognise the transaction.
If it was taken by DD then you should be able to easily find out who it was and take back the payment and cancel any future payments.
Si Lad says
Nat. Thanks for that. I’m going to follow through on this. It’s not right that they can do this. And I want my money back.
Cheers
Si Lad
Glynis says
A credit perfect took money out of my account a couple of months ago. I rang my bank and they cancelled the CPA so they could no longer take payments from me. Hope this helps.
Si Lad says
Glynis.
Thanks. I’ll do that straight away. It’s worrying how they can do this. As I never authorised this payment.
I suppose I’ve lost what they took.
Thanks
Si Lad
Prab says
Hi
I have had a response from Kapama today. They have said no to my complaint as they refer to one loan of £300. My history with minicredit i had over £7000 in loans from minicredit. Do Kapama answer for all of this or only what they/opos purchased from MC.
Thanks
Sara (Debt Camel) says
I am afraid Kapama only have to answer for the loan they purchased. They will not have any other records of your previous borrowing. You may want to talk to the financial ombudsman about this.
Mike says
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!
Sara (Debt Camel) says
Thanks for the info!
Zizi says
I did not get even automated response, but will wait few weeks to hopefully hear from them!
Nikki says
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.
Sara (Debt Camel) says
I can’t find any trace of them in the last three years, sorry.
Jo Connolly says
Hi Sara,
Just to make you aware, the CFO email contact address you have listed no longer seems to be accepting incoming mail.
Sara (Debt Camel) says
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.